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$9,858
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,164
−HK$312/mo
Today · 4.125%
HK$10,476
baseline
▲ 0.50% · 4.625%
HK$11,113
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,952/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,967
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,261
−HK$298/mo
Today · 4.125%
HK$11,559
baseline
▲ 0.50% · 4.625%
HK$12,168
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,118/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,829
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,197
−HK$374/mo
Today · 4.125%
HK$12,571
baseline
▲ 0.50% · 4.625%
HK$13,336
+HK$765/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,142/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,160
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,513
−HK$358/mo
Today · 4.125%
HK$13,871
baseline
▲ 0.50% · 4.625%
HK$14,602
+HK$731/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,742/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,801
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,230
−HK$436/mo
Today · 4.125%
HK$14,666
baseline
▲ 0.50% · 4.625%
HK$15,559
+HK$893/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,332/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,353
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,765
−HK$418/mo
Today · 4.125%
HK$16,183
baseline
▲ 0.50% · 4.625%
HK$17,036
+HK$853/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,366/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,744
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,296
−HK$561/mo
Today · 4.125%
HK$18,857
baseline
▲ 0.50% · 4.625%
HK$20,004
+HK$1,147/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,714/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,740
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,269
−HK$537/mo
Today · 4.125%
HK$20,806
baseline
▲ 0.50% · 4.625%
HK$21,903
+HK$1,097/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,612/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,713 · 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).