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$9,951
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,260
−HK$315/mo
Today · 4.125%
HK$10,575
baseline
▲ 0.50% · 4.625%
HK$11,218
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,150/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,070
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,367
−HK$301/mo
Today · 4.125%
HK$11,668
baseline
▲ 0.50% · 4.625%
HK$12,283
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,336/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,941
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,313
−HK$377/mo
Today · 4.125%
HK$12,690
baseline
▲ 0.50% · 4.625%
HK$13,462
+HK$772/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,380/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,284
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,641
−HK$361/mo
Today · 4.125%
HK$14,002
baseline
▲ 0.50% · 4.625%
HK$14,740
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,004/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,931
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,365
−HK$440/mo
Today · 4.125%
HK$14,805
baseline
▲ 0.50% · 4.625%
HK$15,706
+HK$901/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,610/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,498
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,914
−HK$422/mo
Today · 4.125%
HK$16,336
baseline
▲ 0.50% · 4.625%
HK$17,197
+HK$861/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,672/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,912
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,469
−HK$566/mo
Today · 4.125%
HK$19,035
baseline
▲ 0.50% · 4.625%
HK$20,193
+HK$1,158/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$38,070/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,927
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,461
−HK$542/mo
Today · 4.125%
HK$21,003
baseline
▲ 0.50% · 4.625%
HK$22,110
+HK$1,107/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$42,006/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,460 · 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).