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$9,859
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,165
−HK$312/mo
Today · 4.125%
HK$10,477
baseline
▲ 0.50% · 4.625%
HK$11,115
+HK$638/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,954/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,968
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,262
−HK$298/mo
Today · 4.125%
HK$11,560
baseline
▲ 0.50% · 4.625%
HK$12,170
+HK$610/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,120/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,831
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,199
−HK$373/mo
Today · 4.125%
HK$12,572
baseline
▲ 0.50% · 4.625%
HK$13,337
+HK$765/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,144/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,161
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,514
−HK$358/mo
Today · 4.125%
HK$13,872
baseline
▲ 0.50% · 4.625%
HK$14,604
+HK$732/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,744/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,802
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,232
−HK$436/mo
Today · 4.125%
HK$14,668
baseline
▲ 0.50% · 4.625%
HK$15,560
+HK$892/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,336/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,355
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,767
−HK$417/mo
Today · 4.125%
HK$16,184
baseline
▲ 0.50% · 4.625%
HK$17,038
+HK$854/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,368/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,746
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,298
−HK$561/mo
Today · 4.125%
HK$18,859
baseline
▲ 0.50% · 4.625%
HK$20,006
+HK$1,147/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,718/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,742
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,271
−HK$538/mo
Today · 4.125%
HK$20,809
baseline
▲ 0.50% · 4.625%
HK$21,905
+HK$1,096/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,618/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,808 · 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).