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$9,987
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,297
−HK$316/mo
Today · 4.125%
HK$10,613
baseline
▲ 0.50% · 4.625%
HK$11,259
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,226/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,110
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,408
−HK$302/mo
Today · 4.125%
HK$11,710
baseline
▲ 0.50% · 4.625%
HK$12,328
+HK$618/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,420/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,984
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,357
−HK$379/mo
Today · 4.125%
HK$12,736
baseline
▲ 0.50% · 4.625%
HK$13,510
+HK$774/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,472/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,332
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,690
−HK$362/mo
Today · 4.125%
HK$14,052
baseline
▲ 0.50% · 4.625%
HK$14,793
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,104/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,981
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,416
−HK$442/mo
Today · 4.125%
HK$14,858
baseline
▲ 0.50% · 4.625%
HK$15,762
+HK$904/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$29,716/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,554
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,971
−HK$424/mo
Today · 4.125%
HK$16,395
baseline
▲ 0.50% · 4.625%
HK$17,259
+HK$864/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$32,790/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,976
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,535
−HK$568/mo
Today · 4.125%
HK$19,103
baseline
▲ 0.50% · 4.625%
HK$20,266
+HK$1,163/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,206/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,998
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,535
−HK$544/mo
Today · 4.125%
HK$21,079
baseline
▲ 0.50% · 4.625%
HK$22,190
+HK$1,111/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,158/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,695 · 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).