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$9,829
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,135
−HK$311/mo
Today · 4.125%
HK$10,446
baseline
▲ 0.50% · 4.625%
HK$11,081
+HK$635/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,892/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,935
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,228
−HK$298/mo
Today · 4.125%
HK$11,526
baseline
▲ 0.50% · 4.625%
HK$12,133
+HK$607/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,052/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,795
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,162
−HK$373/mo
Today · 4.125%
HK$12,535
baseline
▲ 0.50% · 4.625%
HK$13,297
+HK$762/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$25,070/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,122
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,474
−HK$357/mo
Today · 4.125%
HK$13,831
baseline
▲ 0.50% · 4.625%
HK$14,560
+HK$729/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$27,662/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,761
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,189
−HK$435/mo
Today · 4.125%
HK$14,624
baseline
▲ 0.50% · 4.625%
HK$15,514
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,248/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,309
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,719
−HK$417/mo
Today · 4.125%
HK$16,136
baseline
▲ 0.50% · 4.625%
HK$16,987
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,272/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,693
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,243
−HK$559/mo
Today · 4.125%
HK$18,802
baseline
▲ 0.50% · 4.625%
HK$19,946
+HK$1,144/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,604/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,683
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,211
−HK$535/mo
Today · 4.125%
HK$20,746
baseline
▲ 0.50% · 4.625%
HK$21,840
+HK$1,094/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,492/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,215 · 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).