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$9,870
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,177
−HK$312/mo
Today · 4.125%
HK$10,489
baseline
▲ 0.50% · 4.625%
HK$11,127
+HK$638/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,978/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,980
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,275
−HK$298/mo
Today · 4.125%
HK$11,573
baseline
▲ 0.50% · 4.625%
HK$12,183
+HK$610/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,146/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,844
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,212
−HK$375/mo
Today · 4.125%
HK$12,587
baseline
▲ 0.50% · 4.625%
HK$13,352
+HK$765/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,174/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,176
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,530
−HK$358/mo
Today · 4.125%
HK$13,888
baseline
▲ 0.50% · 4.625%
HK$14,620
+HK$732/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,776/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,818
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,248
−HK$436/mo
Today · 4.125%
HK$14,684
baseline
▲ 0.50% · 4.625%
HK$15,578
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,368/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,372
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,784
−HK$419/mo
Today · 4.125%
HK$16,203
baseline
▲ 0.50% · 4.625%
HK$17,057
+HK$854/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,406/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,766
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,318
−HK$562/mo
Today · 4.125%
HK$18,880
baseline
▲ 0.50% · 4.625%
HK$20,029
+HK$1,149/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,760/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,764
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,294
−HK$538/mo
Today · 4.125%
HK$20,832
baseline
▲ 0.50% · 4.625%
HK$21,930
+HK$1,098/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,664/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,926 · 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).