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$9,974
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,285
−HK$315/mo
Today · 4.125%
HK$10,600
baseline
▲ 0.50% · 4.625%
HK$11,245
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,200/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,096
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,394
−HK$302/mo
Today · 4.125%
HK$11,696
baseline
▲ 0.50% · 4.625%
HK$12,312
+HK$616/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,392/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,969
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,342
−HK$378/mo
Today · 4.125%
HK$12,720
baseline
▲ 0.50% · 4.625%
HK$13,494
+HK$774/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,440/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,316
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,673
−HK$362/mo
Today · 4.125%
HK$14,035
baseline
▲ 0.50% · 4.625%
HK$14,775
+HK$740/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,070/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,964
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,398
−HK$442/mo
Today · 4.125%
HK$14,840
baseline
▲ 0.50% · 4.625%
HK$15,743
+HK$903/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,680/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,535
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,952
−HK$422/mo
Today · 4.125%
HK$16,374
baseline
▲ 0.50% · 4.625%
HK$17,237
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,748/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,954
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,512
−HK$568/mo
Today · 4.125%
HK$19,080
baseline
▲ 0.50% · 4.625%
HK$20,241
+HK$1,161/mo
Deposit HK$437K · loan HK$3.94M · min. income ≈ HK$38,160/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,973
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,509
−HK$544/mo
Today · 4.125%
HK$21,053
baseline
▲ 0.50% · 4.625%
HK$22,162
+HK$1,109/mo
Deposit HK$437K · loan HK$3.94M · min. income ≈ HK$42,106/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,614 · 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).