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$9,998
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,309
−HK$316/mo
Today · 4.125%
HK$10,625
baseline
▲ 0.50% · 4.625%
HK$11,271
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,250/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,122
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,421
−HK$302/mo
Today · 4.125%
HK$11,723
baseline
▲ 0.50% · 4.625%
HK$12,341
+HK$618/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,446/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,997
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,370
−HK$379/mo
Today · 4.125%
HK$12,749
baseline
▲ 0.50% · 4.625%
HK$13,525
+HK$776/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,498/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,347
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,705
−HK$363/mo
Today · 4.125%
HK$14,068
baseline
▲ 0.50% · 4.625%
HK$14,809
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,136/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,997
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,432
−HK$442/mo
Today · 4.125%
HK$14,874
baseline
▲ 0.50% · 4.625%
HK$15,779
+HK$905/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,748/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,571
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,989
−HK$423/mo
Today · 4.125%
HK$16,412
baseline
▲ 0.50% · 4.625%
HK$17,278
+HK$866/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,824/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,996
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,556
−HK$568/mo
Today · 4.125%
HK$19,124
baseline
▲ 0.50% · 4.625%
HK$20,288
+HK$1,164/mo
Deposit HK$438K · loan HK$3.95M · min. income ≈ HK$38,248/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,020
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,557
−HK$545/mo
Today · 4.125%
HK$21,102
baseline
▲ 0.50% · 4.625%
HK$22,214
+HK$1,112/mo
Deposit HK$438K · loan HK$3.95M · min. income ≈ HK$42,204/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,767 · 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).