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$9,873
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,180
−HK$312/mo
Today · 4.125%
HK$10,492
baseline
▲ 0.50% · 4.625%
HK$11,131
+HK$639/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,984/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,984
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,278
−HK$299/mo
Today · 4.125%
HK$11,577
baseline
▲ 0.50% · 4.625%
HK$12,187
+HK$610/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,154/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,848
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,216
−HK$375/mo
Today · 4.125%
HK$12,591
baseline
▲ 0.50% · 4.625%
HK$13,357
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,182/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,180
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,534
−HK$359/mo
Today · 4.125%
HK$13,893
baseline
▲ 0.50% · 4.625%
HK$14,625
+HK$732/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,786/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,822
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,252
−HK$437/mo
Today · 4.125%
HK$14,689
baseline
▲ 0.50% · 4.625%
HK$15,583
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,378/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,377
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,790
−HK$418/mo
Today · 4.125%
HK$16,208
baseline
▲ 0.50% · 4.625%
HK$17,062
+HK$854/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,416/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,771
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,324
−HK$562/mo
Today · 4.125%
HK$18,886
baseline
▲ 0.50% · 4.625%
HK$20,035
+HK$1,149/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,772/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,771
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,301
−HK$538/mo
Today · 4.125%
HK$20,839
baseline
▲ 0.50% · 4.625%
HK$21,937
+HK$1,098/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,678/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,947 · 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).