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$9,836
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,141
−HK$311/mo
Today · 4.125%
HK$10,452
baseline
▲ 0.50% · 4.625%
HK$11,088
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,904/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,942
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,235
−HK$298/mo
Today · 4.125%
HK$11,533
baseline
▲ 0.50% · 4.625%
HK$12,141
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,066/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,803
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,170
−HK$373/mo
Today · 4.125%
HK$12,543
baseline
▲ 0.50% · 4.625%
HK$13,306
+HK$763/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,086/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,130
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,482
−HK$358/mo
Today · 4.125%
HK$13,840
baseline
▲ 0.50% · 4.625%
HK$14,569
+HK$729/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,680/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,770
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,198
−HK$435/mo
Today · 4.125%
HK$14,633
baseline
▲ 0.50% · 4.625%
HK$15,524
+HK$891/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,266/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,319
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,730
−HK$416/mo
Today · 4.125%
HK$16,146
baseline
▲ 0.50% · 4.625%
HK$16,997
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,292/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,704
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,255
−HK$559/mo
Today · 4.125%
HK$18,814
baseline
▲ 0.50% · 4.625%
HK$19,959
+HK$1,145/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,628/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,695
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,224
−HK$536/mo
Today · 4.125%
HK$20,760
baseline
▲ 0.50% · 4.625%
HK$21,854
+HK$1,094/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,520/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,768 · 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).