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$9,859
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,166
−HK$312/mo
Today · 4.125%
HK$10,478
baseline
▲ 0.50% · 4.625%
HK$11,115
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,956/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,969
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,263
−HK$298/mo
Today · 4.125%
HK$11,561
baseline
▲ 0.50% · 4.625%
HK$12,171
+HK$610/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,122/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,831
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,199
−HK$374/mo
Today · 4.125%
HK$12,573
baseline
▲ 0.50% · 4.625%
HK$13,338
+HK$765/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,146/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,162
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,515
−HK$358/mo
Today · 4.125%
HK$13,873
baseline
▲ 0.50% · 4.625%
HK$14,605
+HK$732/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,746/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,803
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,233
−HK$436/mo
Today · 4.125%
HK$14,669
baseline
▲ 0.50% · 4.625%
HK$15,561
+HK$892/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,338/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,356
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,768
−HK$418/mo
Today · 4.125%
HK$16,186
baseline
▲ 0.50% · 4.625%
HK$17,039
+HK$853/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,372/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,747
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,299
−HK$561/mo
Today · 4.125%
HK$18,860
baseline
▲ 0.50% · 4.625%
HK$20,008
+HK$1,148/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,720/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,743
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,273
−HK$537/mo
Today · 4.125%
HK$20,810
baseline
▲ 0.50% · 4.625%
HK$21,907
+HK$1,097/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,620/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,858 · 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).