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$9,860
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,167
−HK$311/mo
Today · 4.125%
HK$10,478
baseline
▲ 0.50% · 4.625%
HK$11,116
+HK$638/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,956/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,969
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,263
−HK$299/mo
Today · 4.125%
HK$11,562
baseline
▲ 0.50% · 4.625%
HK$12,171
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,124/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,832
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,200
−HK$374/mo
Today · 4.125%
HK$12,574
baseline
▲ 0.50% · 4.625%
HK$13,339
+HK$765/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,148/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,163
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,516
−HK$358/mo
Today · 4.125%
HK$13,874
baseline
▲ 0.50% · 4.625%
HK$14,605
+HK$731/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,748/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,804
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,233
−HK$437/mo
Today · 4.125%
HK$14,670
baseline
▲ 0.50% · 4.625%
HK$15,562
+HK$892/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,340/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,357
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,769
−HK$417/mo
Today · 4.125%
HK$16,186
baseline
▲ 0.50% · 4.625%
HK$17,040
+HK$854/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,372/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,748
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,300
−HK$561/mo
Today · 4.125%
HK$18,861
baseline
▲ 0.50% · 4.625%
HK$20,008
+HK$1,147/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,722/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,744
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,274
−HK$537/mo
Today · 4.125%
HK$20,811
baseline
▲ 0.50% · 4.625%
HK$21,908
+HK$1,097/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,622/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,861 · 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).