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$9,952
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,261
−HK$315/mo
Today · 4.125%
HK$10,576
baseline
▲ 0.50% · 4.625%
HK$11,219
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,152/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,071
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,368
−HK$301/mo
Today · 4.125%
HK$11,669
baseline
▲ 0.50% · 4.625%
HK$12,284
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,338/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,942
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,313
−HK$378/mo
Today · 4.125%
HK$12,691
baseline
▲ 0.50% · 4.625%
HK$13,463
+HK$772/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,382/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,285
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,641
−HK$362/mo
Today · 4.125%
HK$14,003
baseline
▲ 0.50% · 4.625%
HK$14,741
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,006/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,932
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,366
−HK$440/mo
Today · 4.125%
HK$14,806
baseline
▲ 0.50% · 4.625%
HK$15,707
+HK$901/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,612/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,499
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,915
−HK$422/mo
Today · 4.125%
HK$16,337
baseline
▲ 0.50% · 4.625%
HK$17,198
+HK$861/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,674/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,913
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,470
−HK$566/mo
Today · 4.125%
HK$19,036
baseline
▲ 0.50% · 4.625%
HK$20,194
+HK$1,158/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$38,072/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,928
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,462
−HK$542/mo
Today · 4.125%
HK$21,004
baseline
▲ 0.50% · 4.625%
HK$22,112
+HK$1,108/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$42,008/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,464 · 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).