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$9,977
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,288
−HK$315/mo
Today · 4.125%
HK$10,603
baseline
▲ 0.50% · 4.625%
HK$11,248
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,206/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,100
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,397
−HK$302/mo
Today · 4.125%
HK$11,699
baseline
▲ 0.50% · 4.625%
HK$12,316
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,398/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,973
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,345
−HK$379/mo
Today · 4.125%
HK$12,724
baseline
▲ 0.50% · 4.625%
HK$13,498
+HK$774/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,448/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,320
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,677
−HK$362/mo
Today · 4.125%
HK$14,039
baseline
▲ 0.50% · 4.625%
HK$14,779
+HK$740/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,078/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,968
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,403
−HK$441/mo
Today · 4.125%
HK$14,844
baseline
▲ 0.50% · 4.625%
HK$15,747
+HK$903/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,688/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,540
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,956
−HK$423/mo
Today · 4.125%
HK$16,379
baseline
▲ 0.50% · 4.625%
HK$17,242
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,758/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,959
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,518
−HK$567/mo
Today · 4.125%
HK$19,085
baseline
▲ 0.50% · 4.625%
HK$20,247
+HK$1,162/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,170/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,979
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,515
−HK$544/mo
Today · 4.125%
HK$21,059
baseline
▲ 0.50% · 4.625%
HK$22,169
+HK$1,110/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,118/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,633 · 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).