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$9,989
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,299
−HK$316/mo
Today · 4.125%
HK$10,615
baseline
▲ 0.50% · 4.625%
HK$11,261
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,230/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,112
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,410
−HK$303/mo
Today · 4.125%
HK$11,713
baseline
▲ 0.50% · 4.625%
HK$12,330
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,426/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,986
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,359
−HK$379/mo
Today · 4.125%
HK$12,738
baseline
▲ 0.50% · 4.625%
HK$13,513
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,476/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,335
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,692
−HK$363/mo
Today · 4.125%
HK$14,055
baseline
▲ 0.50% · 4.625%
HK$14,796
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,110/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,984
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,419
−HK$442/mo
Today · 4.125%
HK$14,861
baseline
▲ 0.50% · 4.625%
HK$15,765
+HK$904/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$29,722/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,557
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,974
−HK$424/mo
Today · 4.125%
HK$16,398
baseline
▲ 0.50% · 4.625%
HK$17,262
+HK$864/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$32,796/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,980
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,539
−HK$568/mo
Today · 4.125%
HK$19,107
baseline
▲ 0.50% · 4.625%
HK$20,270
+HK$1,163/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,214/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,002
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,539
−HK$544/mo
Today · 4.125%
HK$21,083
baseline
▲ 0.50% · 4.625%
HK$22,194
+HK$1,111/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,166/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,708 · 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).