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$9,950
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,259
−HK$315/mo
Today · 4.125%
HK$10,574
baseline
▲ 0.50% · 4.625%
HK$11,217
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,148/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,069
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,366
−HK$301/mo
Today · 4.125%
HK$11,667
baseline
▲ 0.50% · 4.625%
HK$12,282
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,334/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,940
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,311
−HK$377/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$65,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,283
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,639
−HK$361/mo
Today · 4.125%
HK$14,000
baseline
▲ 0.50% · 4.625%
HK$14,738
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,000/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,930
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,363
−HK$440/mo
Today · 4.125%
HK$14,803
baseline
▲ 0.50% · 4.625%
HK$15,704
+HK$901/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,606/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,496
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,912
−HK$422/mo
Today · 4.125%
HK$16,334
baseline
▲ 0.50% · 4.625%
HK$17,195
+HK$861/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,668/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,909
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,467
−HK$566/mo
Today · 4.125%
HK$19,033
baseline
▲ 0.50% · 4.625%
HK$20,191
+HK$1,158/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$38,066/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,924
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,458
−HK$543/mo
Today · 4.125%
HK$21,001
baseline
▲ 0.50% · 4.625%
HK$22,107
+HK$1,106/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$42,002/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,452 · 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).