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$617/mo
▼ 0.25% · 3.875%
HK$10,149
−HK$311/mo
Today · 4.125%
HK$10,460
baseline
▲ 0.50% · 4.625%
HK$11,096
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,920/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,950
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,244
−HK$298/mo
Today · 4.125%
HK$11,542
baseline
▲ 0.50% · 4.625%
HK$12,150
+HK$608/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$63,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,811
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,179
−HK$373/mo
Today · 4.125%
HK$12,552
baseline
▲ 0.50% · 4.625%
HK$13,316
+HK$764/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,104/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,140
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,492
−HK$358/mo
Today · 4.125%
HK$13,850
baseline
▲ 0.50% · 4.625%
HK$14,580
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,700/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,780
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,208
−HK$436/mo
Today · 4.125%
HK$14,644
baseline
▲ 0.50% · 4.625%
HK$15,535
+HK$891/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,288/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,330
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,741
−HK$417/mo
Today · 4.125%
HK$16,158
baseline
▲ 0.50% · 4.625%
HK$17,010
+HK$852/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,316/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,717
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,268
−HK$560/mo
Today · 4.125%
HK$18,828
baseline
▲ 0.50% · 4.625%
HK$19,974
+HK$1,146/mo
Deposit HK$432K · loan HK$3.88M · min. income ≈ HK$37,656/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,710
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,239
−HK$536/mo
Today · 4.125%
HK$20,775
baseline
▲ 0.50% · 4.625%
HK$21,870
+HK$1,095/mo
Deposit HK$432K · loan HK$3.88M · min. income ≈ HK$41,550/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,402 · 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).