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$9,970
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,280
−HK$315/mo
Today · 4.125%
HK$10,595
baseline
▲ 0.50% · 4.625%
HK$11,240
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,190/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,092
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,389
−HK$302/mo
Today · 4.125%
HK$11,691
baseline
▲ 0.50% · 4.625%
HK$12,307
+HK$616/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,382/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,964
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,336
−HK$378/mo
Today · 4.125%
HK$12,714
baseline
▲ 0.50% · 4.625%
HK$13,488
+HK$774/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,428/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,310
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,667
−HK$362/mo
Today · 4.125%
HK$14,029
baseline
▲ 0.50% · 4.625%
HK$14,768
+HK$739/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,058/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,958
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,392
−HK$441/mo
Today · 4.125%
HK$14,833
baseline
▲ 0.50% · 4.625%
HK$15,736
+HK$903/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,666/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,528
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,945
−HK$422/mo
Today · 4.125%
HK$16,367
baseline
▲ 0.50% · 4.625%
HK$17,230
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,734/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,946
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,504
−HK$567/mo
Today · 4.125%
HK$19,071
baseline
▲ 0.50% · 4.625%
HK$20,232
+HK$1,161/mo
Deposit HK$437K · loan HK$3.94M · min. income ≈ HK$38,142/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,965
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,500
−HK$543/mo
Today · 4.125%
HK$21,043
baseline
▲ 0.50% · 4.625%
HK$22,153
+HK$1,110/mo
Deposit HK$437K · loan HK$3.94M · min. income ≈ HK$42,086/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,585 · 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).