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$9,837
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,143
−HK$311/mo
Today · 4.125%
HK$10,454
baseline
▲ 0.50% · 4.625%
HK$11,090
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,908/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,944
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,238
−HK$297/mo
Today · 4.125%
HK$11,535
baseline
▲ 0.50% · 4.625%
HK$12,143
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,070/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,805
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,172
−HK$373/mo
Today · 4.125%
HK$12,545
baseline
▲ 0.50% · 4.625%
HK$13,309
+HK$764/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,090/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,133
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,485
−HK$357/mo
Today · 4.125%
HK$13,842
baseline
▲ 0.50% · 4.625%
HK$14,572
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,684/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,772
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,201
−HK$435/mo
Today · 4.125%
HK$14,636
baseline
▲ 0.50% · 4.625%
HK$15,527
+HK$891/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,272/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,322
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,733
−HK$416/mo
Today · 4.125%
HK$16,149
baseline
▲ 0.50% · 4.625%
HK$17,001
+HK$852/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,298/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,707
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,258
−HK$560/mo
Today · 4.125%
HK$18,818
baseline
▲ 0.50% · 4.625%
HK$19,963
+HK$1,145/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,636/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,699
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,228
−HK$536/mo
Today · 4.125%
HK$20,764
baseline
▲ 0.50% · 4.625%
HK$21,858
+HK$1,094/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,528/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,936 · 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).