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$9,842
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,148
−HK$311/mo
Today · 4.125%
HK$10,459
baseline
▲ 0.50% · 4.625%
HK$11,096
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,918/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,949
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,243
−HK$298/mo
Today · 4.125%
HK$11,541
baseline
▲ 0.50% · 4.625%
HK$12,149
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,082/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,811
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,178
−HK$373/mo
Today · 4.125%
HK$12,551
baseline
▲ 0.50% · 4.625%
HK$13,315
+HK$764/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,102/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,139
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,491
−HK$358/mo
Today · 4.125%
HK$13,849
baseline
▲ 0.50% · 4.625%
HK$14,579
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,698/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,779
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,208
−HK$435/mo
Today · 4.125%
HK$14,643
baseline
▲ 0.50% · 4.625%
HK$15,534
+HK$891/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,286/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,329
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,740
−HK$417/mo
Today · 4.125%
HK$16,157
baseline
▲ 0.50% · 4.625%
HK$17,009
+HK$852/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,314/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,716
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,267
−HK$560/mo
Today · 4.125%
HK$18,827
baseline
▲ 0.50% · 4.625%
HK$19,972
+HK$1,145/mo
Deposit HK$432K · loan HK$3.88M · min. income ≈ HK$37,654/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,709
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,237
−HK$536/mo
Today · 4.125%
HK$20,773
baseline
▲ 0.50% · 4.625%
HK$21,868
+HK$1,095/mo
Deposit HK$432K · loan HK$3.88M · min. income ≈ HK$41,546/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,346 · 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).