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$9,871
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,178
−HK$312/mo
Today · 4.125%
HK$10,490
baseline
▲ 0.50% · 4.625%
HK$11,128
+HK$638/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,980/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,981
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,276
−HK$298/mo
Today · 4.125%
HK$11,574
baseline
▲ 0.50% · 4.625%
HK$12,184
+HK$610/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,148/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,845
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,213
−HK$375/mo
Today · 4.125%
HK$12,588
baseline
▲ 0.50% · 4.625%
HK$13,354
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,176/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,177
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,531
−HK$358/mo
Today · 4.125%
HK$13,889
baseline
▲ 0.50% · 4.625%
HK$14,621
+HK$732/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,778/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,819
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,249
−HK$437/mo
Today · 4.125%
HK$14,686
baseline
▲ 0.50% · 4.625%
HK$15,579
+HK$893/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,372/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,374
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,786
−HK$418/mo
Today · 4.125%
HK$16,204
baseline
▲ 0.50% · 4.625%
HK$17,058
+HK$854/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,408/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,767
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,320
−HK$561/mo
Today · 4.125%
HK$18,881
baseline
▲ 0.50% · 4.625%
HK$20,030
+HK$1,149/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,762/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,766
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,296
−HK$538/mo
Today · 4.125%
HK$20,834
baseline
▲ 0.50% · 4.625%
HK$21,932
+HK$1,098/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,668/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,932 · 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).