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$9,825
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,130
−HK$311/mo
Today · 4.125%
HK$10,441
baseline
▲ 0.50% · 4.625%
HK$11,076
+HK$635/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,882/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$61,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,930
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,223
−HK$297/mo
Today · 4.125%
HK$11,520
baseline
▲ 0.50% · 4.625%
HK$12,128
+HK$608/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,040/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$61,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,790
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,156
−HK$373/mo
Today · 4.125%
HK$12,529
baseline
▲ 0.50% · 4.625%
HK$13,291
+HK$762/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$25,058/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$61,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,116
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,468
−HK$356/mo
Today · 4.125%
HK$13,824
baseline
▲ 0.50% · 4.625%
HK$14,553
+HK$729/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$27,648/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$61,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,754
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,182
−HK$435/mo
Today · 4.125%
HK$14,617
baseline
▲ 0.50% · 4.625%
HK$15,506
+HK$889/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,234/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,302
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,712
−HK$416/mo
Today · 4.125%
HK$16,128
baseline
▲ 0.50% · 4.625%
HK$16,979
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,256/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,684
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,234
−HK$559/mo
Today · 4.125%
HK$18,793
baseline
▲ 0.50% · 4.625%
HK$19,937
+HK$1,144/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,586/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$61,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,674
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,201
−HK$536/mo
Today · 4.125%
HK$20,737
baseline
▲ 0.50% · 4.625%
HK$21,830
+HK$1,093/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,474/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$61,812 · 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).