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$9,872
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,179
−HK$312/mo
Today · 4.125%
HK$10,491
baseline
▲ 0.50% · 4.625%
HK$11,130
+HK$639/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,982/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,983
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,277
−HK$299/mo
Today · 4.125%
HK$11,576
baseline
▲ 0.50% · 4.625%
HK$12,186
+HK$610/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,152/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,847
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,215
−HK$375/mo
Today · 4.125%
HK$12,590
baseline
▲ 0.50% · 4.625%
HK$13,356
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,180/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,179
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,533
−HK$359/mo
Today · 4.125%
HK$13,892
baseline
▲ 0.50% · 4.625%
HK$14,624
+HK$732/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,784/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,821
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,251
−HK$437/mo
Today · 4.125%
HK$14,688
baseline
▲ 0.50% · 4.625%
HK$15,582
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,376/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,376
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,788
−HK$419/mo
Today · 4.125%
HK$16,207
baseline
▲ 0.50% · 4.625%
HK$17,061
+HK$854/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,414/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,770
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,323
−HK$562/mo
Today · 4.125%
HK$18,885
baseline
▲ 0.50% · 4.625%
HK$20,034
+HK$1,149/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,770/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,769
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,299
−HK$538/mo
Today · 4.125%
HK$20,837
baseline
▲ 0.50% · 4.625%
HK$21,936
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,674/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,943 · 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).