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$9,854
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,160
−HK$312/mo
Today · 4.125%
HK$10,472
baseline
▲ 0.50% · 4.625%
HK$11,109
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,944/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,962
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,256
−HK$298/mo
Today · 4.125%
HK$11,554
baseline
▲ 0.50% · 4.625%
HK$12,163
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,108/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,824
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,192
−HK$374/mo
Today · 4.125%
HK$12,566
baseline
▲ 0.50% · 4.625%
HK$13,331
+HK$765/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,132/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,155
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,507
−HK$358/mo
Today · 4.125%
HK$13,865
baseline
▲ 0.50% · 4.625%
HK$14,596
+HK$731/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,730/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,795
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,224
−HK$436/mo
Today · 4.125%
HK$14,660
baseline
▲ 0.50% · 4.625%
HK$15,552
+HK$892/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$29,320/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,347
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,759
−HK$417/mo
Today · 4.125%
HK$16,176
baseline
▲ 0.50% · 4.625%
HK$17,029
+HK$853/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$32,352/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,737
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,288
−HK$561/mo
Today · 4.125%
HK$18,849
baseline
▲ 0.50% · 4.625%
HK$19,996
+HK$1,147/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,698/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$64,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,732
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,261
−HK$537/mo
Today · 4.125%
HK$20,798
baseline
▲ 0.50% · 4.625%
HK$21,894
+HK$1,096/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,596/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$64,363 · 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).