The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,945
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,255
−HK$314/mo
Today · 4.125%
HK$10,569
baseline
▲ 0.50% · 4.625%
HK$11,212
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,138/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,064
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,361
−HK$301/mo
Today · 4.125%
HK$11,662
baseline
▲ 0.50% · 4.625%
HK$12,277
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,324/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,934
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,306
−HK$377/mo
Today · 4.125%
HK$12,683
baseline
▲ 0.50% · 4.625%
HK$13,455
+HK$772/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$25,366/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,277
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,633
−HK$361/mo
Today · 4.125%
HK$13,994
baseline
▲ 0.50% · 4.625%
HK$14,732
+HK$738/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$27,988/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,923
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,357
−HK$440/mo
Today · 4.125%
HK$14,797
baseline
▲ 0.50% · 4.625%
HK$15,697
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,594/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,490
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,905
−HK$422/mo
Today · 4.125%
HK$16,327
baseline
▲ 0.50% · 4.625%
HK$17,187
+HK$860/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,654/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,902
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,458
−HK$566/mo
Today · 4.125%
HK$19,024
baseline
▲ 0.50% · 4.625%
HK$20,182
+HK$1,158/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$38,048/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,915
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,450
−HK$541/mo
Today · 4.125%
HK$20,991
baseline
▲ 0.50% · 4.625%
HK$22,098
+HK$1,107/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$41,982/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,423 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).