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$9,849
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,156
−HK$311/mo
Today · 4.125%
HK$10,467
baseline
▲ 0.50% · 4.625%
HK$11,104
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,934/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,957
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,251
−HK$298/mo
Today · 4.125%
HK$11,549
baseline
▲ 0.50% · 4.625%
HK$12,158
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,098/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,819
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,187
−HK$374/mo
Today · 4.125%
HK$12,561
baseline
▲ 0.50% · 4.625%
HK$13,325
+HK$764/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,122/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,149
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,502
−HK$357/mo
Today · 4.125%
HK$13,859
baseline
▲ 0.50% · 4.625%
HK$14,590
+HK$731/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,718/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,789
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,218
−HK$436/mo
Today · 4.125%
HK$14,654
baseline
▲ 0.50% · 4.625%
HK$15,546
+HK$892/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$29,308/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,340
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,752
−HK$417/mo
Today · 4.125%
HK$16,169
baseline
▲ 0.50% · 4.625%
HK$17,022
+HK$853/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$32,338/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,729
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,281
−HK$560/mo
Today · 4.125%
HK$18,841
baseline
▲ 0.50% · 4.625%
HK$19,987
+HK$1,146/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,682/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$63,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,723
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,252
−HK$537/mo
Today · 4.125%
HK$20,789
baseline
▲ 0.50% · 4.625%
HK$21,885
+HK$1,096/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,578/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$63,992 · 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).