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$10,003
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,314
−HK$316/mo
Today · 4.125%
HK$10,630
baseline
▲ 0.50% · 4.625%
HK$11,277
+HK$647/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,260/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,128
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,427
−HK$302/mo
Today · 4.125%
HK$11,729
baseline
▲ 0.50% · 4.625%
HK$12,348
+HK$619/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,458/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,004
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,377
−HK$379/mo
Today · 4.125%
HK$12,756
baseline
▲ 0.50% · 4.625%
HK$13,532
+HK$776/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,512/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,354
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,712
−HK$363/mo
Today · 4.125%
HK$14,075
baseline
▲ 0.50% · 4.625%
HK$14,817
+HK$742/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,150/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,004
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,440
−HK$442/mo
Today · 4.125%
HK$14,882
baseline
▲ 0.50% · 4.625%
HK$15,788
+HK$906/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,764/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,579
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,997
−HK$424/mo
Today · 4.125%
HK$16,421
baseline
▲ 0.50% · 4.625%
HK$17,287
+HK$866/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,842/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,005
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,565
−HK$569/mo
Today · 4.125%
HK$19,134
baseline
▲ 0.50% · 4.625%
HK$20,299
+HK$1,165/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,268/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,031
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,568
−HK$545/mo
Today · 4.125%
HK$21,113
baseline
▲ 0.50% · 4.625%
HK$22,226
+HK$1,113/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,226/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,802 · 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).