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$9,977
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,287
−HK$315/mo
Today · 4.125%
HK$10,602
baseline
▲ 0.50% · 4.625%
HK$11,248
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,204/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,099
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,397
−HK$302/mo
Today · 4.125%
HK$11,699
baseline
▲ 0.50% · 4.625%
HK$12,315
+HK$616/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,398/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,972
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,344
−HK$379/mo
Today · 4.125%
HK$12,723
baseline
▲ 0.50% · 4.625%
HK$13,497
+HK$774/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,446/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,319
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,676
−HK$362/mo
Today · 4.125%
HK$14,038
baseline
▲ 0.50% · 4.625%
HK$14,778
+HK$740/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,076/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,967
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,402
−HK$441/mo
Today · 4.125%
HK$14,843
baseline
▲ 0.50% · 4.625%
HK$15,747
+HK$904/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,686/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,539
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,955
−HK$423/mo
Today · 4.125%
HK$16,378
baseline
▲ 0.50% · 4.625%
HK$17,241
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,756/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,958
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,517
−HK$567/mo
Today · 4.125%
HK$19,084
baseline
▲ 0.50% · 4.625%
HK$20,246
+HK$1,162/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,168/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,978
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,514
−HK$544/mo
Today · 4.125%
HK$21,058
baseline
▲ 0.50% · 4.625%
HK$22,168
+HK$1,110/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,116/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,630 · 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).