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$9,836
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,142
−HK$311/mo
Today · 4.125%
HK$10,453
baseline
▲ 0.50% · 4.625%
HK$11,089
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,906/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,942
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,236
−HK$298/mo
Today · 4.125%
HK$11,534
baseline
▲ 0.50% · 4.625%
HK$12,142
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,068/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,803
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,170
−HK$373/mo
Today · 4.125%
HK$12,543
baseline
▲ 0.50% · 4.625%
HK$13,307
+HK$764/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,086/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,131
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,483
−HK$357/mo
Today · 4.125%
HK$13,840
baseline
▲ 0.50% · 4.625%
HK$14,570
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,680/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,770
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,199
−HK$435/mo
Today · 4.125%
HK$14,634
baseline
▲ 0.50% · 4.625%
HK$15,524
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,268/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,319
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,730
−HK$417/mo
Today · 4.125%
HK$16,147
baseline
▲ 0.50% · 4.625%
HK$16,998
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,294/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,705
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,255
−HK$560/mo
Today · 4.125%
HK$18,815
baseline
▲ 0.50% · 4.625%
HK$19,960
+HK$1,145/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,630/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,696
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,225
−HK$535/mo
Today · 4.125%
HK$20,760
baseline
▲ 0.50% · 4.625%
HK$21,855
+HK$1,095/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,520/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,806 · 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).