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$9,844
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,150
−HK$311/mo
Today · 4.125%
HK$10,461
baseline
▲ 0.50% · 4.625%
HK$11,098
+HK$637/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$63,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,951
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,245
−HK$298/mo
Today · 4.125%
HK$11,543
baseline
▲ 0.50% · 4.625%
HK$12,151
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,086/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,813
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,180
−HK$374/mo
Today · 4.125%
HK$12,554
baseline
▲ 0.50% · 4.625%
HK$13,317
+HK$763/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,108/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,142
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,494
−HK$358/mo
Today · 4.125%
HK$13,852
baseline
▲ 0.50% · 4.625%
HK$14,582
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,704/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,782
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,210
−HK$436/mo
Today · 4.125%
HK$14,646
baseline
▲ 0.50% · 4.625%
HK$15,537
+HK$891/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$29,292/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,332
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,743
−HK$417/mo
Today · 4.125%
HK$16,160
baseline
▲ 0.50% · 4.625%
HK$17,012
+HK$852/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$32,320/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,719
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,270
−HK$560/mo
Today · 4.125%
HK$18,830
baseline
▲ 0.50% · 4.625%
HK$19,976
+HK$1,146/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,660/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,712
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,241
−HK$536/mo
Today · 4.125%
HK$20,777
baseline
▲ 0.50% · 4.625%
HK$21,873
+HK$1,096/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,554/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,511 · 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).