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$9,832
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,138
−HK$311/mo
Today · 4.125%
HK$10,449
baseline
▲ 0.50% · 4.625%
HK$11,085
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,898/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,939
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,232
−HK$298/mo
Today · 4.125%
HK$11,530
baseline
▲ 0.50% · 4.625%
HK$12,137
+HK$607/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,060/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,799
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,166
−HK$373/mo
Today · 4.125%
HK$12,539
baseline
▲ 0.50% · 4.625%
HK$13,302
+HK$763/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$25,078/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,126
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,478
−HK$357/mo
Today · 4.125%
HK$13,835
baseline
▲ 0.50% · 4.625%
HK$14,565
+HK$730/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$27,670/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,765
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,194
−HK$435/mo
Today · 4.125%
HK$14,629
baseline
▲ 0.50% · 4.625%
HK$15,519
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,258/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,314
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,725
−HK$416/mo
Today · 4.125%
HK$16,141
baseline
▲ 0.50% · 4.625%
HK$16,992
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,282/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,698
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,249
−HK$559/mo
Today · 4.125%
HK$18,808
baseline
▲ 0.50% · 4.625%
HK$19,953
+HK$1,145/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,616/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,689
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,217
−HK$536/mo
Today · 4.125%
HK$20,753
baseline
▲ 0.50% · 4.625%
HK$21,847
+HK$1,094/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,506/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,501 · 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).