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$9,830
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,136
−HK$311/mo
Today · 4.125%
HK$10,447
baseline
▲ 0.50% · 4.625%
HK$11,082
+HK$635/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,894/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,936
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,229
−HK$298/mo
Today · 4.125%
HK$11,527
baseline
▲ 0.50% · 4.625%
HK$12,135
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,054/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,796
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,163
−HK$373/mo
Today · 4.125%
HK$12,536
baseline
▲ 0.50% · 4.625%
HK$13,299
+HK$763/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$25,072/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,123
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,475
−HK$357/mo
Today · 4.125%
HK$13,832
baseline
▲ 0.50% · 4.625%
HK$14,561
+HK$729/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$27,664/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,762
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,190
−HK$435/mo
Today · 4.125%
HK$14,625
baseline
▲ 0.50% · 4.625%
HK$15,515
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,250/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,311
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,721
−HK$417/mo
Today · 4.125%
HK$16,138
baseline
▲ 0.50% · 4.625%
HK$16,988
+HK$850/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,276/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,694
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,245
−HK$559/mo
Today · 4.125%
HK$18,804
baseline
▲ 0.50% · 4.625%
HK$19,948
+HK$1,144/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,608/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,685
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,213
−HK$535/mo
Today · 4.125%
HK$20,748
baseline
▲ 0.50% · 4.625%
HK$21,842
+HK$1,094/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,496/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,308 · 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).