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$9,868
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,175
−HK$312/mo
Today · 4.125%
HK$10,487
baseline
▲ 0.50% · 4.625%
HK$11,125
+HK$638/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,974/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,978
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,272
−HK$299/mo
Today · 4.125%
HK$11,571
baseline
▲ 0.50% · 4.625%
HK$12,181
+HK$610/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,142/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,841
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,210
−HK$374/mo
Today · 4.125%
HK$12,584
baseline
▲ 0.50% · 4.625%
HK$13,350
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,168/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,173
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,527
−HK$358/mo
Today · 4.125%
HK$13,885
baseline
▲ 0.50% · 4.625%
HK$14,617
+HK$732/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,770/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,815
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,245
−HK$436/mo
Today · 4.125%
HK$14,681
baseline
▲ 0.50% · 4.625%
HK$15,575
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,362/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,369
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,781
−HK$418/mo
Today · 4.125%
HK$16,199
baseline
▲ 0.50% · 4.625%
HK$17,053
+HK$854/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,398/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,762
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,315
−HK$561/mo
Today · 4.125%
HK$18,876
baseline
▲ 0.50% · 4.625%
HK$20,024
+HK$1,148/mo
Deposit HK$433K · loan HK$3.89M · min. income ≈ HK$37,752/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,760
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,290
−HK$538/mo
Today · 4.125%
HK$20,828
baseline
▲ 0.50% · 4.625%
HK$21,926
+HK$1,098/mo
Deposit HK$433K · loan HK$3.89M · min. income ≈ HK$41,656/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,913 · 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).