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$9,969
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,279
−HK$315/mo
Today · 4.125%
HK$10,594
baseline
▲ 0.50% · 4.625%
HK$11,238
+HK$644/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,188/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,090
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,388
−HK$301/mo
Today · 4.125%
HK$11,689
baseline
▲ 0.50% · 4.625%
HK$12,305
+HK$616/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,378/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,962
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,335
−HK$378/mo
Today · 4.125%
HK$12,713
baseline
▲ 0.50% · 4.625%
HK$13,486
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,426/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,308
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,665
−HK$362/mo
Today · 4.125%
HK$14,027
baseline
▲ 0.50% · 4.625%
HK$14,767
+HK$740/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,054/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,956
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,390
−HK$441/mo
Today · 4.125%
HK$14,831
baseline
▲ 0.50% · 4.625%
HK$15,734
+HK$903/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,662/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,526
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,943
−HK$422/mo
Today · 4.125%
HK$16,365
baseline
▲ 0.50% · 4.625%
HK$17,228
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,730/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,944
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,502
−HK$567/mo
Today · 4.125%
HK$19,069
baseline
▲ 0.50% · 4.625%
HK$20,229
+HK$1,160/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,138/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,962
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,498
−HK$543/mo
Today · 4.125%
HK$21,041
baseline
▲ 0.50% · 4.625%
HK$22,150
+HK$1,109/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,082/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,577 · 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).