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$9,987
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,298
−HK$316/mo
Today · 4.125%
HK$10,614
baseline
▲ 0.50% · 4.625%
HK$11,259
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,228/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,111
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,409
−HK$302/mo
Today · 4.125%
HK$11,711
baseline
▲ 0.50% · 4.625%
HK$12,328
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,422/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,985
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,357
−HK$379/mo
Today · 4.125%
HK$12,736
baseline
▲ 0.50% · 4.625%
HK$13,511
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,472/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,333
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,690
−HK$363/mo
Today · 4.125%
HK$14,053
baseline
▲ 0.50% · 4.625%
HK$14,794
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,106/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,982
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,417
−HK$442/mo
Today · 4.125%
HK$14,859
baseline
▲ 0.50% · 4.625%
HK$15,763
+HK$904/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$29,718/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,555
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,972
−HK$423/mo
Today · 4.125%
HK$16,395
baseline
▲ 0.50% · 4.625%
HK$17,260
+HK$865/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$32,790/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,977
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,536
−HK$568/mo
Today · 4.125%
HK$19,104
baseline
▲ 0.50% · 4.625%
HK$20,267
+HK$1,163/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,208/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,999
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,536
−HK$544/mo
Today · 4.125%
HK$21,080
baseline
▲ 0.50% · 4.625%
HK$22,191
+HK$1,111/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,160/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,699 · 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).