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$9,861
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,168
−HK$311/mo
Today · 4.125%
HK$10,479
baseline
▲ 0.50% · 4.625%
HK$11,117
+HK$638/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,958/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,970
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,264
−HK$299/mo
Today · 4.125%
HK$11,563
baseline
▲ 0.50% · 4.625%
HK$12,172
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,126/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,833
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,201
−HK$374/mo
Today · 4.125%
HK$12,575
baseline
▲ 0.50% · 4.625%
HK$13,340
+HK$765/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,150/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,164
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,517
−HK$358/mo
Today · 4.125%
HK$13,875
baseline
▲ 0.50% · 4.625%
HK$14,607
+HK$732/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,750/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,805
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,235
−HK$436/mo
Today · 4.125%
HK$14,671
baseline
▲ 0.50% · 4.625%
HK$15,564
+HK$893/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,342/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,358
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,770
−HK$418/mo
Today · 4.125%
HK$16,188
baseline
▲ 0.50% · 4.625%
HK$17,041
+HK$853/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,376/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,750
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,302
−HK$561/mo
Today · 4.125%
HK$18,863
baseline
▲ 0.50% · 4.625%
HK$20,010
+HK$1,147/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,726/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,746
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,276
−HK$537/mo
Today · 4.125%
HK$20,813
baseline
▲ 0.50% · 4.625%
HK$21,910
+HK$1,097/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,626/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,868 · 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).