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$9,995
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,306
−HK$316/mo
Today · 4.125%
HK$10,622
baseline
▲ 0.50% · 4.625%
HK$11,268
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,244/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,120
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,418
−HK$303/mo
Today · 4.125%
HK$11,721
baseline
▲ 0.50% · 4.625%
HK$12,338
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,442/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,994
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,368
−HK$379/mo
Today · 4.125%
HK$12,747
baseline
▲ 0.50% · 4.625%
HK$13,522
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,494/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,344
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,702
−HK$363/mo
Today · 4.125%
HK$14,065
baseline
▲ 0.50% · 4.625%
HK$14,806
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,130/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,994
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,429
−HK$442/mo
Today · 4.125%
HK$14,871
baseline
▲ 0.50% · 4.625%
HK$15,776
+HK$905/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,742/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,568
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,985
−HK$424/mo
Today · 4.125%
HK$16,409
baseline
▲ 0.50% · 4.625%
HK$17,274
+HK$865/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,818/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,992
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,551
−HK$569/mo
Today · 4.125%
HK$19,120
baseline
▲ 0.50% · 4.625%
HK$20,283
+HK$1,163/mo
Deposit HK$438K · loan HK$3.95M · min. income ≈ HK$38,240/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,016
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,552
−HK$545/mo
Today · 4.125%
HK$21,097
baseline
▲ 0.50% · 4.625%
HK$22,209
+HK$1,112/mo
Deposit HK$438K · loan HK$3.95M · min. income ≈ HK$42,194/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,752 · 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).