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$9,848
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,155
−HK$311/mo
Today · 4.125%
HK$10,466
baseline
▲ 0.50% · 4.625%
HK$11,103
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,932/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,956
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,250
−HK$298/mo
Today · 4.125%
HK$11,548
baseline
▲ 0.50% · 4.625%
HK$12,157
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,096/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,818
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,186
−HK$373/mo
Today · 4.125%
HK$12,559
baseline
▲ 0.50% · 4.625%
HK$13,323
+HK$764/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,118/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,147
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,500
−HK$358/mo
Today · 4.125%
HK$13,858
baseline
▲ 0.50% · 4.625%
HK$14,588
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,716/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,788
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,217
−HK$435/mo
Today · 4.125%
HK$14,652
baseline
▲ 0.50% · 4.625%
HK$15,544
+HK$892/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$29,304/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,339
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,750
−HK$417/mo
Today · 4.125%
HK$16,167
baseline
▲ 0.50% · 4.625%
HK$17,020
+HK$853/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$32,334/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,727
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,278
−HK$561/mo
Today · 4.125%
HK$18,839
baseline
▲ 0.50% · 4.625%
HK$19,985
+HK$1,146/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,678/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$63,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,721
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,250
−HK$537/mo
Today · 4.125%
HK$20,787
baseline
▲ 0.50% · 4.625%
HK$21,882
+HK$1,095/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,574/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$63,893 · 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).