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$9,980
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,291
−HK$315/mo
Today · 4.125%
HK$10,606
baseline
▲ 0.50% · 4.625%
HK$11,252
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,212/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,103
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,401
−HK$302/mo
Today · 4.125%
HK$11,703
baseline
▲ 0.50% · 4.625%
HK$12,320
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,406/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,977
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,349
−HK$379/mo
Today · 4.125%
HK$12,728
baseline
▲ 0.50% · 4.625%
HK$13,502
+HK$774/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,456/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,324
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,681
−HK$363/mo
Today · 4.125%
HK$14,044
baseline
▲ 0.50% · 4.625%
HK$14,784
+HK$740/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,088/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,973
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,407
−HK$442/mo
Today · 4.125%
HK$14,849
baseline
▲ 0.50% · 4.625%
HK$15,752
+HK$903/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,698/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,544
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,961
−HK$423/mo
Today · 4.125%
HK$16,384
baseline
▲ 0.50% · 4.625%
HK$17,248
+HK$864/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,768/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,965
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,524
−HK$567/mo
Today · 4.125%
HK$19,091
baseline
▲ 0.50% · 4.625%
HK$20,253
+HK$1,162/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,182/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,986
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,522
−HK$543/mo
Today · 4.125%
HK$21,065
baseline
▲ 0.50% · 4.625%
HK$22,176
+HK$1,111/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,130/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,654 · 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).