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$9,857
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,163
−HK$312/mo
Today · 4.125%
HK$10,475
baseline
▲ 0.50% · 4.625%
HK$11,112
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,950/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,965
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,259
−HK$299/mo
Today · 4.125%
HK$11,558
baseline
▲ 0.50% · 4.625%
HK$12,167
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,116/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,828
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,196
−HK$374/mo
Today · 4.125%
HK$12,570
baseline
▲ 0.50% · 4.625%
HK$13,334
+HK$764/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,140/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,158
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,511
−HK$358/mo
Today · 4.125%
HK$13,869
baseline
▲ 0.50% · 4.625%
HK$14,600
+HK$731/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,738/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,799
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,228
−HK$437/mo
Today · 4.125%
HK$14,665
baseline
▲ 0.50% · 4.625%
HK$15,557
+HK$892/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,330/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,351
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,763
−HK$418/mo
Today · 4.125%
HK$16,181
baseline
▲ 0.50% · 4.625%
HK$17,034
+HK$853/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,362/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,742
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,294
−HK$560/mo
Today · 4.125%
HK$18,854
baseline
▲ 0.50% · 4.625%
HK$20,002
+HK$1,148/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,708/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,738
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,267
−HK$537/mo
Today · 4.125%
HK$20,804
baseline
▲ 0.50% · 4.625%
HK$21,901
+HK$1,097/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,608/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,613 · 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).