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$9,848
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,154
−HK$311/mo
Today · 4.125%
HK$10,465
baseline
▲ 0.50% · 4.625%
HK$11,102
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,930/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,956
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,249
−HK$299/mo
Today · 4.125%
HK$11,548
baseline
▲ 0.50% · 4.625%
HK$12,156
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,096/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,817
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,185
−HK$373/mo
Today · 4.125%
HK$12,558
baseline
▲ 0.50% · 4.625%
HK$13,323
+HK$765/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,116/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,147
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,499
−HK$358/mo
Today · 4.125%
HK$13,857
baseline
▲ 0.50% · 4.625%
HK$14,587
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,714/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,787
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,216
−HK$436/mo
Today · 4.125%
HK$14,652
baseline
▲ 0.50% · 4.625%
HK$15,543
+HK$891/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$29,304/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,338
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,749
−HK$418/mo
Today · 4.125%
HK$16,167
baseline
▲ 0.50% · 4.625%
HK$17,019
+HK$852/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$32,334/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,726
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,278
−HK$560/mo
Today · 4.125%
HK$18,838
baseline
▲ 0.50% · 4.625%
HK$19,984
+HK$1,146/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,676/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$63,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,720
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,249
−HK$537/mo
Today · 4.125%
HK$20,786
baseline
▲ 0.50% · 4.625%
HK$21,881
+HK$1,095/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,572/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$63,850 · 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).