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$9,944
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,253
−HK$314/mo
Today · 4.125%
HK$10,567
baseline
▲ 0.50% · 4.625%
HK$11,210
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,134/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,062
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,359
−HK$301/mo
Today · 4.125%
HK$11,660
baseline
▲ 0.50% · 4.625%
HK$12,275
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,320/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,933
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,304
−HK$377/mo
Today · 4.125%
HK$12,681
baseline
▲ 0.50% · 4.625%
HK$13,452
+HK$771/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$25,362/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,275
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,631
−HK$361/mo
Today · 4.125%
HK$13,992
baseline
▲ 0.50% · 4.625%
HK$14,730
+HK$738/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$27,984/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,921
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,354
−HK$440/mo
Today · 4.125%
HK$14,794
baseline
▲ 0.50% · 4.625%
HK$15,694
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,588/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,487
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,903
−HK$421/mo
Today · 4.125%
HK$16,324
baseline
▲ 0.50% · 4.625%
HK$17,184
+HK$860/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,648/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,899
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,456
−HK$565/mo
Today · 4.125%
HK$19,021
baseline
▲ 0.50% · 4.625%
HK$20,179
+HK$1,158/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,042/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,912
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,446
−HK$542/mo
Today · 4.125%
HK$20,988
baseline
▲ 0.50% · 4.625%
HK$22,094
+HK$1,106/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,976/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,413 · 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).