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$9,990
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,301
−HK$316/mo
Today · 4.125%
HK$10,617
baseline
▲ 0.50% · 4.625%
HK$11,263
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,234/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,114
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,412
−HK$302/mo
Today · 4.125%
HK$11,714
baseline
▲ 0.50% · 4.625%
HK$12,332
+HK$618/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,428/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,988
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,361
−HK$379/mo
Today · 4.125%
HK$12,740
baseline
▲ 0.50% · 4.625%
HK$13,515
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,480/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,337
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,694
−HK$363/mo
Today · 4.125%
HK$14,057
baseline
▲ 0.50% · 4.625%
HK$14,798
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,114/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,986
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,421
−HK$442/mo
Today · 4.125%
HK$14,863
baseline
▲ 0.50% · 4.625%
HK$15,768
+HK$905/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$29,726/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,559
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,977
−HK$423/mo
Today · 4.125%
HK$16,400
baseline
▲ 0.50% · 4.625%
HK$17,265
+HK$865/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$32,800/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,982
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,542
−HK$568/mo
Today · 4.125%
HK$19,110
baseline
▲ 0.50% · 4.625%
HK$20,273
+HK$1,163/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,220/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,005
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,542
−HK$544/mo
Today · 4.125%
HK$21,086
baseline
▲ 0.50% · 4.625%
HK$22,197
+HK$1,111/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,172/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,718 · 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).