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$9,985
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,295
−HK$316/mo
Today · 4.125%
HK$10,611
baseline
▲ 0.50% · 4.625%
HK$11,256
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,222/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,108
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,406
−HK$302/mo
Today · 4.125%
HK$11,708
baseline
▲ 0.50% · 4.625%
HK$12,325
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,416/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,982
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,354
−HK$379/mo
Today · 4.125%
HK$12,733
baseline
▲ 0.50% · 4.625%
HK$13,508
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,466/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,329
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,687
−HK$363/mo
Today · 4.125%
HK$14,050
baseline
▲ 0.50% · 4.625%
HK$14,790
+HK$740/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,100/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,979
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,413
−HK$442/mo
Today · 4.125%
HK$14,855
baseline
▲ 0.50% · 4.625%
HK$15,759
+HK$904/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$29,710/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,551
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,968
−HK$423/mo
Today · 4.125%
HK$16,391
baseline
▲ 0.50% · 4.625%
HK$17,255
+HK$864/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$32,782/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,972
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,531
−HK$568/mo
Today · 4.125%
HK$19,099
baseline
▲ 0.50% · 4.625%
HK$20,262
+HK$1,163/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,198/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,994
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,530
−HK$544/mo
Today · 4.125%
HK$21,074
baseline
▲ 0.50% · 4.625%
HK$22,185
+HK$1,111/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,148/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,682 · 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).