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$9,995
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,306
−HK$315/mo
Today · 4.125%
HK$10,621
baseline
▲ 0.50% · 4.625%
HK$11,268
+HK$647/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,242/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,119
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,417
−HK$303/mo
Today · 4.125%
HK$11,720
baseline
▲ 0.50% · 4.625%
HK$12,337
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,440/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,994
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,367
−HK$379/mo
Today · 4.125%
HK$12,746
baseline
▲ 0.50% · 4.625%
HK$13,521
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,492/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,343
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,701
−HK$363/mo
Today · 4.125%
HK$14,064
baseline
▲ 0.50% · 4.625%
HK$14,805
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,128/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,993
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,428
−HK$442/mo
Today · 4.125%
HK$14,870
baseline
▲ 0.50% · 4.625%
HK$15,775
+HK$905/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$29,740/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,567
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,984
−HK$424/mo
Today · 4.125%
HK$16,408
baseline
▲ 0.50% · 4.625%
HK$17,272
+HK$864/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$32,816/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,990
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,550
−HK$569/mo
Today · 4.125%
HK$19,119
baseline
▲ 0.50% · 4.625%
HK$20,282
+HK$1,163/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,238/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,014
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,551
−HK$544/mo
Today · 4.125%
HK$21,095
baseline
▲ 0.50% · 4.625%
HK$22,207
+HK$1,112/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,190/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,748 · 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).