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$9,843
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,150
−HK$311/mo
Today · 4.125%
HK$10,461
baseline
▲ 0.50% · 4.625%
HK$11,097
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,922/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,951
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,244
−HK$298/mo
Today · 4.125%
HK$11,542
baseline
▲ 0.50% · 4.625%
HK$12,151
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,084/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,812
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,180
−HK$373/mo
Today · 4.125%
HK$12,553
baseline
▲ 0.50% · 4.625%
HK$13,317
+HK$764/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,106/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,141
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,493
−HK$358/mo
Today · 4.125%
HK$13,851
baseline
▲ 0.50% · 4.625%
HK$14,581
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,702/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,781
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,209
−HK$436/mo
Today · 4.125%
HK$14,645
baseline
▲ 0.50% · 4.625%
HK$15,536
+HK$891/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$29,290/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,331
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,742
−HK$417/mo
Today · 4.125%
HK$16,159
baseline
▲ 0.50% · 4.625%
HK$17,011
+HK$852/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$32,318/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,718
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,269
−HK$560/mo
Today · 4.125%
HK$18,829
baseline
▲ 0.50% · 4.625%
HK$19,975
+HK$1,146/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,658/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,711
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,240
−HK$536/mo
Today · 4.125%
HK$20,776
baseline
▲ 0.50% · 4.625%
HK$21,871
+HK$1,095/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,552/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,463 · 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).