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$9,828
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,134
−HK$310/mo
Today · 4.125%
HK$10,444
baseline
▲ 0.50% · 4.625%
HK$11,080
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,888/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,934
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,227
−HK$297/mo
Today · 4.125%
HK$11,524
baseline
▲ 0.50% · 4.625%
HK$12,132
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,048/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,794
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,161
−HK$372/mo
Today · 4.125%
HK$12,533
baseline
▲ 0.50% · 4.625%
HK$13,296
+HK$763/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$25,066/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,120
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,472
−HK$357/mo
Today · 4.125%
HK$13,829
baseline
▲ 0.50% · 4.625%
HK$14,558
+HK$729/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$27,658/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,759
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,187
−HK$435/mo
Today · 4.125%
HK$14,622
baseline
▲ 0.50% · 4.625%
HK$15,512
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,244/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,307
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,718
−HK$416/mo
Today · 4.125%
HK$16,134
baseline
▲ 0.50% · 4.625%
HK$16,985
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,268/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,691
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,241
−HK$559/mo
Today · 4.125%
HK$18,800
baseline
▲ 0.50% · 4.625%
HK$19,944
+HK$1,144/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,600/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,681
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,208
−HK$536/mo
Today · 4.125%
HK$20,744
baseline
▲ 0.50% · 4.625%
HK$21,837
+HK$1,093/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,488/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,114 · 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).