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$623/mo
▼ 0.25% · 3.875%
HK$10,254
−HK$314/mo
Today · 4.125%
HK$10,568
baseline
▲ 0.50% · 4.625%
HK$11,211
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,136/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,063
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,360
−HK$301/mo
Today · 4.125%
HK$11,661
baseline
▲ 0.50% · 4.625%
HK$12,276
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,322/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,934
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,305
−HK$377/mo
Today · 4.125%
HK$12,682
baseline
▲ 0.50% · 4.625%
HK$13,454
+HK$772/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$25,364/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,276
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,632
−HK$361/mo
Today · 4.125%
HK$13,993
baseline
▲ 0.50% · 4.625%
HK$14,731
+HK$738/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$27,986/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,923
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,356
−HK$440/mo
Today · 4.125%
HK$14,796
baseline
▲ 0.50% · 4.625%
HK$15,696
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,592/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,489
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,904
−HK$422/mo
Today · 4.125%
HK$16,326
baseline
▲ 0.50% · 4.625%
HK$17,186
+HK$860/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,652/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,901
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,457
−HK$566/mo
Today · 4.125%
HK$19,023
baseline
▲ 0.50% · 4.625%
HK$20,181
+HK$1,158/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$38,046/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,914
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,448
−HK$542/mo
Today · 4.125%
HK$20,990
baseline
▲ 0.50% · 4.625%
HK$22,097
+HK$1,107/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$41,980/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,419 · 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).