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$9,863
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,169
−HK$312/mo
Today · 4.125%
HK$10,481
baseline
▲ 0.50% · 4.625%
HK$11,119
+HK$638/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,962/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,972
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,266
−HK$299/mo
Today · 4.125%
HK$11,565
baseline
▲ 0.50% · 4.625%
HK$12,174
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,130/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,835
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,203
−HK$374/mo
Today · 4.125%
HK$12,577
baseline
▲ 0.50% · 4.625%
HK$13,343
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,154/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,166
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,520
−HK$358/mo
Today · 4.125%
HK$13,878
baseline
▲ 0.50% · 4.625%
HK$14,609
+HK$731/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,756/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,808
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,237
−HK$436/mo
Today · 4.125%
HK$14,673
baseline
▲ 0.50% · 4.625%
HK$15,566
+HK$893/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,346/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,361
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,773
−HK$418/mo
Today · 4.125%
HK$16,191
baseline
▲ 0.50% · 4.625%
HK$17,044
+HK$853/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,382/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,753
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,305
−HK$561/mo
Today · 4.125%
HK$18,866
baseline
▲ 0.50% · 4.625%
HK$20,014
+HK$1,148/mo
Deposit HK$433K · loan HK$3.89M · min. income ≈ HK$37,732/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,750
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,279
−HK$538/mo
Today · 4.125%
HK$20,817
baseline
▲ 0.50% · 4.625%
HK$21,914
+HK$1,097/mo
Deposit HK$433K · loan HK$3.89M · min. income ≈ HK$41,634/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,879 · 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).