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$9,865
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,172
−HK$312/mo
Today · 4.125%
HK$10,484
baseline
▲ 0.50% · 4.625%
HK$11,122
+HK$638/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,968/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,975
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,269
−HK$299/mo
Today · 4.125%
HK$11,568
baseline
▲ 0.50% · 4.625%
HK$12,178
+HK$610/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,136/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,838
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,207
−HK$374/mo
Today · 4.125%
HK$12,581
baseline
▲ 0.50% · 4.625%
HK$13,346
+HK$765/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,162/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,170
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,523
−HK$359/mo
Today · 4.125%
HK$13,882
baseline
▲ 0.50% · 4.625%
HK$14,613
+HK$731/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,764/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,811
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,241
−HK$437/mo
Today · 4.125%
HK$14,678
baseline
▲ 0.50% · 4.625%
HK$15,571
+HK$893/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,356/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,365
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,777
−HK$418/mo
Today · 4.125%
HK$16,195
baseline
▲ 0.50% · 4.625%
HK$17,049
+HK$854/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,390/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,758
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,310
−HK$561/mo
Today · 4.125%
HK$18,871
baseline
▲ 0.50% · 4.625%
HK$20,019
+HK$1,148/mo
Deposit HK$433K · loan HK$3.89M · min. income ≈ HK$37,742/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,755
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,285
−HK$537/mo
Today · 4.125%
HK$20,822
baseline
▲ 0.50% · 4.625%
HK$21,920
+HK$1,098/mo
Deposit HK$433K · loan HK$3.89M · min. income ≈ HK$41,644/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,897 · 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).