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$9,968
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,278
−HK$315/mo
Today · 4.125%
HK$10,593
baseline
▲ 0.50% · 4.625%
HK$11,238
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,186/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,089
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,387
−HK$301/mo
Today · 4.125%
HK$11,688
baseline
▲ 0.50% · 4.625%
HK$12,304
+HK$616/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,376/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,961
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,334
−HK$378/mo
Today · 4.125%
HK$12,712
baseline
▲ 0.50% · 4.625%
HK$13,485
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,424/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,307
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,664
−HK$362/mo
Today · 4.125%
HK$14,026
baseline
▲ 0.50% · 4.625%
HK$14,765
+HK$739/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,052/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,955
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,389
−HK$441/mo
Today · 4.125%
HK$14,830
baseline
▲ 0.50% · 4.625%
HK$15,733
+HK$903/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,660/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,525
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,941
−HK$423/mo
Today · 4.125%
HK$16,364
baseline
▲ 0.50% · 4.625%
HK$17,226
+HK$862/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,728/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,942
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,500
−HK$567/mo
Today · 4.125%
HK$19,067
baseline
▲ 0.50% · 4.625%
HK$20,228
+HK$1,161/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,134/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,961
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,496
−HK$543/mo
Today · 4.125%
HK$21,039
baseline
▲ 0.50% · 4.625%
HK$22,148
+HK$1,109/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,078/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,571 · 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).