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$9,953
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,263
−HK$315/mo
Today · 4.125%
HK$10,578
baseline
▲ 0.50% · 4.625%
HK$11,221
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,156/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,073
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,370
−HK$301/mo
Today · 4.125%
HK$11,671
baseline
▲ 0.50% · 4.625%
HK$12,287
+HK$616/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,342/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,944
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,316
−HK$377/mo
Today · 4.125%
HK$12,693
baseline
▲ 0.50% · 4.625%
HK$13,466
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,386/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,288
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,644
−HK$362/mo
Today · 4.125%
HK$14,006
baseline
▲ 0.50% · 4.625%
HK$14,744
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,012/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,935
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,368
−HK$441/mo
Today · 4.125%
HK$14,809
baseline
▲ 0.50% · 4.625%
HK$15,710
+HK$901/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,618/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,502
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,918
−HK$422/mo
Today · 4.125%
HK$16,340
baseline
▲ 0.50% · 4.625%
HK$17,201
+HK$861/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,680/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,916
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,474
−HK$566/mo
Today · 4.125%
HK$19,040
baseline
▲ 0.50% · 4.625%
HK$20,198
+HK$1,158/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,080/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,932
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,466
−HK$543/mo
Today · 4.125%
HK$21,009
baseline
▲ 0.50% · 4.625%
HK$22,116
+HK$1,107/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,018/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,477 · 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).