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$10,165
−HK$311/mo
Today · 4.125%
HK$10,476
baseline
▲ 0.50% · 4.625%
HK$11,114
+HK$638/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$64,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,967
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,261
−HK$299/mo
Today · 4.125%
HK$11,560
baseline
▲ 0.50% · 4.625%
HK$12,169
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,120/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,830
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,198
−HK$374/mo
Today · 4.125%
HK$12,572
baseline
▲ 0.50% · 4.625%
HK$13,337
+HK$765/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,144/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,161
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,514
−HK$358/mo
Today · 4.125%
HK$13,872
baseline
▲ 0.50% · 4.625%
HK$14,603
+HK$731/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,744/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,802
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,231
−HK$436/mo
Today · 4.125%
HK$14,667
baseline
▲ 0.50% · 4.625%
HK$15,559
+HK$892/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,334/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,354
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,766
−HK$418/mo
Today · 4.125%
HK$16,184
baseline
▲ 0.50% · 4.625%
HK$17,037
+HK$853/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,368/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,745
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,297
−HK$561/mo
Today · 4.125%
HK$18,858
baseline
▲ 0.50% · 4.625%
HK$20,005
+HK$1,147/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,716/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,741
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,270
−HK$537/mo
Today · 4.125%
HK$20,807
baseline
▲ 0.50% · 4.625%
HK$21,904
+HK$1,097/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,614/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,759 · 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).