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$9,955
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,265
−HK$314/mo
Today · 4.125%
HK$10,579
baseline
▲ 0.50% · 4.625%
HK$11,223
+HK$644/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,158/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,075
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,372
−HK$301/mo
Today · 4.125%
HK$11,673
baseline
▲ 0.50% · 4.625%
HK$12,289
+HK$616/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,346/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,946
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,318
−HK$377/mo
Today · 4.125%
HK$12,695
baseline
▲ 0.50% · 4.625%
HK$13,468
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,390/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,290
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,646
−HK$362/mo
Today · 4.125%
HK$14,008
baseline
▲ 0.50% · 4.625%
HK$14,746
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,016/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,937
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,371
−HK$440/mo
Today · 4.125%
HK$14,811
baseline
▲ 0.50% · 4.625%
HK$15,712
+HK$901/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,622/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,505
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,921
−HK$422/mo
Today · 4.125%
HK$16,343
baseline
▲ 0.50% · 4.625%
HK$17,204
+HK$861/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,686/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,919
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,477
−HK$566/mo
Today · 4.125%
HK$19,043
baseline
▲ 0.50% · 4.625%
HK$20,202
+HK$1,159/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,086/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,935
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,470
−HK$542/mo
Today · 4.125%
HK$21,012
baseline
▲ 0.50% · 4.625%
HK$22,119
+HK$1,107/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,024/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,487 · 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).