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$9,863
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,170
−HK$312/mo
Today · 4.125%
HK$10,482
baseline
▲ 0.50% · 4.625%
HK$11,120
+HK$638/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,964/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,973
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,267
−HK$299/mo
Today · 4.125%
HK$11,566
baseline
▲ 0.50% · 4.625%
HK$12,175
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,132/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,836
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,204
−HK$374/mo
Today · 4.125%
HK$12,578
baseline
▲ 0.50% · 4.625%
HK$13,344
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,156/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,167
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,521
−HK$358/mo
Today · 4.125%
HK$13,879
baseline
▲ 0.50% · 4.625%
HK$14,610
+HK$731/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,758/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,809
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,238
−HK$437/mo
Today · 4.125%
HK$14,675
baseline
▲ 0.50% · 4.625%
HK$15,567
+HK$892/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,350/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,362
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,774
−HK$418/mo
Today · 4.125%
HK$16,192
baseline
▲ 0.50% · 4.625%
HK$17,045
+HK$853/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,384/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,754
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,306
−HK$561/mo
Today · 4.125%
HK$18,867
baseline
▲ 0.50% · 4.625%
HK$20,015
+HK$1,148/mo
Deposit HK$433K · loan HK$3.89M · min. income ≈ HK$37,734/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,751
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,281
−HK$537/mo
Today · 4.125%
HK$20,818
baseline
▲ 0.50% · 4.625%
HK$21,916
+HK$1,098/mo
Deposit HK$433K · loan HK$3.89M · min. income ≈ HK$41,636/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,883 · 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).