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$9,983
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,293
−HK$316/mo
Today · 4.125%
HK$10,609
baseline
▲ 0.50% · 4.625%
HK$11,254
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,218/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,105
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,403
−HK$302/mo
Today · 4.125%
HK$11,705
baseline
▲ 0.50% · 4.625%
HK$12,322
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,410/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,979
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,352
−HK$378/mo
Today · 4.125%
HK$12,730
baseline
▲ 0.50% · 4.625%
HK$13,505
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,460/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,327
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,684
−HK$363/mo
Today · 4.125%
HK$14,047
baseline
▲ 0.50% · 4.625%
HK$14,787
+HK$740/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,094/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,976
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,410
−HK$442/mo
Today · 4.125%
HK$14,852
baseline
▲ 0.50% · 4.625%
HK$15,756
+HK$904/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,704/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,548
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,965
−HK$423/mo
Today · 4.125%
HK$16,388
baseline
▲ 0.50% · 4.625%
HK$17,251
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,776/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,969
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,527
−HK$568/mo
Today · 4.125%
HK$19,095
baseline
▲ 0.50% · 4.625%
HK$20,257
+HK$1,162/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,190/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,990
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,526
−HK$544/mo
Today · 4.125%
HK$21,070
baseline
▲ 0.50% · 4.625%
HK$22,180
+HK$1,110/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,140/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,668 · 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).