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$9,954
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,264
−HK$315/mo
Today · 4.125%
HK$10,579
baseline
▲ 0.50% · 4.625%
HK$11,222
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,158/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,074
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,371
−HK$301/mo
Today · 4.125%
HK$11,672
baseline
▲ 0.50% · 4.625%
HK$12,288
+HK$616/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,344/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,945
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,317
−HK$377/mo
Today · 4.125%
HK$12,694
baseline
▲ 0.50% · 4.625%
HK$13,467
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,388/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,289
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,645
−HK$362/mo
Today · 4.125%
HK$14,007
baseline
▲ 0.50% · 4.625%
HK$14,745
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,014/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,936
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,370
−HK$440/mo
Today · 4.125%
HK$14,810
baseline
▲ 0.50% · 4.625%
HK$15,711
+HK$901/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,620/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,504
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,920
−HK$421/mo
Today · 4.125%
HK$16,341
baseline
▲ 0.50% · 4.625%
HK$17,203
+HK$862/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,682/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,918
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,475
−HK$566/mo
Today · 4.125%
HK$19,041
baseline
▲ 0.50% · 4.625%
HK$20,200
+HK$1,159/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,082/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,933
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,468
−HK$542/mo
Today · 4.125%
HK$21,010
baseline
▲ 0.50% · 4.625%
HK$22,118
+HK$1,108/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,020/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,482 · 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).