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$9,831
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,136
−HK$311/mo
Today · 4.125%
HK$10,447
baseline
▲ 0.50% · 4.625%
HK$11,083
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,894/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,937
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,230
−HK$297/mo
Today · 4.125%
HK$11,527
baseline
▲ 0.50% · 4.625%
HK$12,135
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,054/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,797
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,164
−HK$373/mo
Today · 4.125%
HK$12,537
baseline
▲ 0.50% · 4.625%
HK$13,299
+HK$762/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$25,074/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,124
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,476
−HK$357/mo
Today · 4.125%
HK$13,833
baseline
▲ 0.50% · 4.625%
HK$14,562
+HK$729/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$27,666/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,763
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,191
−HK$435/mo
Today · 4.125%
HK$14,626
baseline
▲ 0.50% · 4.625%
HK$15,516
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,252/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,311
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,722
−HK$416/mo
Today · 4.125%
HK$16,138
baseline
▲ 0.50% · 4.625%
HK$16,989
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,276/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,695
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,246
−HK$559/mo
Today · 4.125%
HK$18,805
baseline
▲ 0.50% · 4.625%
HK$19,949
+HK$1,144/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,610/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,686
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,214
−HK$535/mo
Today · 4.125%
HK$20,749
baseline
▲ 0.50% · 4.625%
HK$21,843
+HK$1,094/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,498/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,342 · 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).