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$9,951
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,260
−HK$315/mo
Today · 4.125%
HK$10,575
baseline
▲ 0.50% · 4.625%
HK$11,218
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,150/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,070
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,367
−HK$301/mo
Today · 4.125%
HK$11,668
baseline
▲ 0.50% · 4.625%
HK$12,283
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,336/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,941
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,312
−HK$378/mo
Today · 4.125%
HK$12,690
baseline
▲ 0.50% · 4.625%
HK$13,462
+HK$772/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,380/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,284
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,640
−HK$362/mo
Today · 4.125%
HK$14,002
baseline
▲ 0.50% · 4.625%
HK$14,740
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,004/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,931
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,364
−HK$440/mo
Today · 4.125%
HK$14,804
baseline
▲ 0.50% · 4.625%
HK$15,705
+HK$901/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,608/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,498
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,914
−HK$421/mo
Today · 4.125%
HK$16,335
baseline
▲ 0.50% · 4.625%
HK$17,196
+HK$861/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,670/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,911
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,468
−HK$566/mo
Today · 4.125%
HK$19,034
baseline
▲ 0.50% · 4.625%
HK$20,192
+HK$1,158/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$38,068/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,926
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,460
−HK$542/mo
Today · 4.125%
HK$21,002
baseline
▲ 0.50% · 4.625%
HK$22,109
+HK$1,107/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$42,004/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,458 · 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).