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$9,834
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,140
−HK$311/mo
Today · 4.125%
HK$10,451
baseline
▲ 0.50% · 4.625%
HK$11,087
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,902/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,941
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,234
−HK$298/mo
Today · 4.125%
HK$11,532
baseline
▲ 0.50% · 4.625%
HK$12,140
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,064/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,801
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,168
−HK$373/mo
Today · 4.125%
HK$12,541
baseline
▲ 0.50% · 4.625%
HK$13,304
+HK$763/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,082/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,129
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,481
−HK$357/mo
Today · 4.125%
HK$13,838
baseline
▲ 0.50% · 4.625%
HK$14,568
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,676/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,768
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,196
−HK$436/mo
Today · 4.125%
HK$14,632
baseline
▲ 0.50% · 4.625%
HK$15,522
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,264/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,317
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,728
−HK$417/mo
Today · 4.125%
HK$16,145
baseline
▲ 0.50% · 4.625%
HK$16,996
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,290/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,702
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,253
−HK$559/mo
Today · 4.125%
HK$18,812
baseline
▲ 0.50% · 4.625%
HK$19,957
+HK$1,145/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,624/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,693
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,221
−HK$536/mo
Today · 4.125%
HK$20,757
baseline
▲ 0.50% · 4.625%
HK$21,851
+HK$1,094/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,514/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,672 · 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).