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$9,949
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,259
−HK$314/mo
Today · 4.125%
HK$10,573
baseline
▲ 0.50% · 4.625%
HK$11,217
+HK$644/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,146/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,069
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,365
−HK$302/mo
Today · 4.125%
HK$11,667
baseline
▲ 0.50% · 4.625%
HK$12,282
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,334/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,939
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,311
−HK$377/mo
Today · 4.125%
HK$12,688
baseline
▲ 0.50% · 4.625%
HK$13,460
+HK$772/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,376/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,282
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,639
−HK$361/mo
Today · 4.125%
HK$14,000
baseline
▲ 0.50% · 4.625%
HK$14,738
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,000/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,929
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,362
−HK$441/mo
Today · 4.125%
HK$14,803
baseline
▲ 0.50% · 4.625%
HK$15,703
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,606/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,496
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,912
−HK$421/mo
Today · 4.125%
HK$16,333
baseline
▲ 0.50% · 4.625%
HK$17,194
+HK$861/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,666/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,909
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,466
−HK$566/mo
Today · 4.125%
HK$19,032
baseline
▲ 0.50% · 4.625%
HK$20,190
+HK$1,158/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$38,064/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,924
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,458
−HK$542/mo
Today · 4.125%
HK$21,000
baseline
▲ 0.50% · 4.625%
HK$22,107
+HK$1,107/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$42,000/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,450 · 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).