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$9,991
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,302
−HK$316/mo
Today · 4.125%
HK$10,618
baseline
▲ 0.50% · 4.625%
HK$11,264
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,236/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,115
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,413
−HK$303/mo
Today · 4.125%
HK$11,716
baseline
▲ 0.50% · 4.625%
HK$12,333
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,432/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,990
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,363
−HK$378/mo
Today · 4.125%
HK$12,741
baseline
▲ 0.50% · 4.625%
HK$13,517
+HK$776/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,482/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,338
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,696
−HK$363/mo
Today · 4.125%
HK$14,059
baseline
▲ 0.50% · 4.625%
HK$14,800
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,118/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,988
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,423
−HK$442/mo
Today · 4.125%
HK$14,865
baseline
▲ 0.50% · 4.625%
HK$15,769
+HK$904/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$29,730/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,561
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,979
−HK$423/mo
Today · 4.125%
HK$16,402
baseline
▲ 0.50% · 4.625%
HK$17,267
+HK$865/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$32,804/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,984
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,544
−HK$568/mo
Today · 4.125%
HK$19,112
baseline
▲ 0.50% · 4.625%
HK$20,275
+HK$1,163/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,224/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,007
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,544
−HK$544/mo
Today · 4.125%
HK$21,088
baseline
▲ 0.50% · 4.625%
HK$22,200
+HK$1,112/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,176/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,725 · 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).