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$9,838
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,144
−HK$311/mo
Today · 4.125%
HK$10,455
baseline
▲ 0.50% · 4.625%
HK$11,091
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,910/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,945
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,238
−HK$298/mo
Today · 4.125%
HK$11,536
baseline
▲ 0.50% · 4.625%
HK$12,144
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,072/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,806
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,173
−HK$373/mo
Today · 4.125%
HK$12,546
baseline
▲ 0.50% · 4.625%
HK$13,309
+HK$763/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,092/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,134
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,486
−HK$357/mo
Today · 4.125%
HK$13,843
baseline
▲ 0.50% · 4.625%
HK$14,573
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,686/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,773
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,202
−HK$435/mo
Today · 4.125%
HK$14,637
baseline
▲ 0.50% · 4.625%
HK$15,528
+HK$891/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,274/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,323
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,734
−HK$416/mo
Today · 4.125%
HK$16,150
baseline
▲ 0.50% · 4.625%
HK$17,002
+HK$852/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,300/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,708
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,259
−HK$560/mo
Today · 4.125%
HK$18,819
baseline
▲ 0.50% · 4.625%
HK$19,964
+HK$1,145/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,638/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,700
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,229
−HK$536/mo
Today · 4.125%
HK$20,765
baseline
▲ 0.50% · 4.625%
HK$21,859
+HK$1,094/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,530/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,989 · 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).