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$618/mo
▼ 0.25% · 3.875%
HK$10,178
−HK$311/mo
Today · 4.125%
HK$10,489
baseline
▲ 0.50% · 4.625%
HK$11,128
+HK$639/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,978/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,981
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,275
−HK$299/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$64,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,845
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,213
−HK$374/mo
Today · 4.125%
HK$12,587
baseline
▲ 0.50% · 4.625%
HK$13,353
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,174/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,177
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,530
−HK$359/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$64,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,819
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,249
−HK$436/mo
Today · 4.125%
HK$14,685
baseline
▲ 0.50% · 4.625%
HK$15,579
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,370/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,373
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,785
−HK$419/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$64,931 · 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$64,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,766
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,296
−HK$537/mo
Today · 4.125%
HK$20,833
baseline
▲ 0.50% · 4.625%
HK$21,932
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,666/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,931 · 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).