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$9,870
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,177
−HK$311/mo
Today · 4.125%
HK$10,488
baseline
▲ 0.50% · 4.625%
HK$11,127
+HK$639/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,976/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,980
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,274
−HK$299/mo
Today · 4.125%
HK$11,573
baseline
▲ 0.50% · 4.625%
HK$12,183
+HK$610/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,146/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,843
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,212
−HK$374/mo
Today · 4.125%
HK$12,586
baseline
▲ 0.50% · 4.625%
HK$13,352
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,172/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,176
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,529
−HK$359/mo
Today · 4.125%
HK$13,888
baseline
▲ 0.50% · 4.625%
HK$14,620
+HK$732/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,776/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,817
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,247
−HK$437/mo
Today · 4.125%
HK$14,684
baseline
▲ 0.50% · 4.625%
HK$15,577
+HK$893/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,368/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,372
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,784
−HK$418/mo
Today · 4.125%
HK$16,202
baseline
▲ 0.50% · 4.625%
HK$17,056
+HK$854/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,404/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,765
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,318
−HK$561/mo
Today · 4.125%
HK$18,879
baseline
▲ 0.50% · 4.625%
HK$20,028
+HK$1,149/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,758/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,764
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,294
−HK$537/mo
Today · 4.125%
HK$20,831
baseline
▲ 0.50% · 4.625%
HK$21,929
+HK$1,098/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,662/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,925 · 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).