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$9,949
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,259
−HK$314/mo
Today · 4.125%
HK$10,573
baseline
▲ 0.50% · 4.625%
HK$11,216
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,146/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,068
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,365
−HK$301/mo
Today · 4.125%
HK$11,666
baseline
▲ 0.50% · 4.625%
HK$12,281
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,332/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,939
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,310
−HK$378/mo
Today · 4.125%
HK$12,688
baseline
▲ 0.50% · 4.625%
HK$13,460
+HK$772/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,376/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,282
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,638
−HK$361/mo
Today · 4.125%
HK$13,999
baseline
▲ 0.50% · 4.625%
HK$14,737
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$27,998/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,929
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,362
−HK$440/mo
Today · 4.125%
HK$14,802
baseline
▲ 0.50% · 4.625%
HK$15,703
+HK$901/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,604/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,496
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,911
−HK$422/mo
Today · 4.125%
HK$16,333
baseline
▲ 0.50% · 4.625%
HK$17,194
+HK$861/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,666/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,908
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,465
−HK$566/mo
Today · 4.125%
HK$19,031
baseline
▲ 0.50% · 4.625%
HK$20,189
+HK$1,158/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$38,062/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,923
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,457
−HK$542/mo
Today · 4.125%
HK$20,999
baseline
▲ 0.50% · 4.625%
HK$22,106
+HK$1,107/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$41,998/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,447 · 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).