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$9,867
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,174
−HK$311/mo
Today · 4.125%
HK$10,485
baseline
▲ 0.50% · 4.625%
HK$11,123
+HK$638/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,970/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,977
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,271
−HK$299/mo
Today · 4.125%
HK$11,570
baseline
▲ 0.50% · 4.625%
HK$12,180
+HK$610/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,140/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,840
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,208
−HK$375/mo
Today · 4.125%
HK$12,583
baseline
▲ 0.50% · 4.625%
HK$13,348
+HK$765/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,166/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,172
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,525
−HK$359/mo
Today · 4.125%
HK$13,884
baseline
▲ 0.50% · 4.625%
HK$14,615
+HK$731/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,768/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,813
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,243
−HK$437/mo
Today · 4.125%
HK$14,680
baseline
▲ 0.50% · 4.625%
HK$15,573
+HK$893/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,360/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,367
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,779
−HK$419/mo
Today · 4.125%
HK$16,198
baseline
▲ 0.50% · 4.625%
HK$17,051
+HK$853/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,396/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,760
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,313
−HK$561/mo
Today · 4.125%
HK$18,874
baseline
▲ 0.50% · 4.625%
HK$20,022
+HK$1,148/mo
Deposit HK$433K · loan HK$3.89M · min. income ≈ HK$37,748/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,758
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,288
−HK$537/mo
Today · 4.125%
HK$20,825
baseline
▲ 0.50% · 4.625%
HK$21,923
+HK$1,098/mo
Deposit HK$433K · loan HK$3.89M · min. income ≈ HK$41,650/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,906 · 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).