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$9,847
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,153
−HK$311/mo
Today · 4.125%
HK$10,464
baseline
▲ 0.50% · 4.625%
HK$11,101
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,928/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,954
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,248
−HK$298/mo
Today · 4.125%
HK$11,546
baseline
▲ 0.50% · 4.625%
HK$12,155
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,092/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,816
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,183
−HK$374/mo
Today · 4.125%
HK$12,557
baseline
▲ 0.50% · 4.625%
HK$13,321
+HK$764/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,114/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,145
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,498
−HK$357/mo
Today · 4.125%
HK$13,855
baseline
▲ 0.50% · 4.625%
HK$14,585
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,710/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,785
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,214
−HK$436/mo
Today · 4.125%
HK$14,650
baseline
▲ 0.50% · 4.625%
HK$15,541
+HK$891/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$29,300/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,336
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,747
−HK$417/mo
Today · 4.125%
HK$16,164
baseline
▲ 0.50% · 4.625%
HK$17,016
+HK$852/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$32,328/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,724
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,275
−HK$560/mo
Today · 4.125%
HK$18,835
baseline
▲ 0.50% · 4.625%
HK$19,981
+HK$1,146/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,670/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$63,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,717
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,246
−HK$537/mo
Today · 4.125%
HK$20,783
baseline
▲ 0.50% · 4.625%
HK$21,878
+HK$1,095/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,566/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$63,732 · 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).