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$9,832
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,138
−HK$311/mo
Today · 4.125%
HK$10,449
baseline
▲ 0.50% · 4.625%
HK$11,084
+HK$635/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,898/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,938
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,231
−HK$298/mo
Today · 4.125%
HK$11,529
baseline
▲ 0.50% · 4.625%
HK$12,137
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,058/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,798
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,165
−HK$373/mo
Today · 4.125%
HK$12,538
baseline
▲ 0.50% · 4.625%
HK$13,301
+HK$763/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$25,076/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,126
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,478
−HK$357/mo
Today · 4.125%
HK$13,835
baseline
▲ 0.50% · 4.625%
HK$14,564
+HK$729/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$27,670/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,765
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,193
−HK$435/mo
Today · 4.125%
HK$14,628
baseline
▲ 0.50% · 4.625%
HK$15,518
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,256/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,313
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,724
−HK$417/mo
Today · 4.125%
HK$16,141
baseline
▲ 0.50% · 4.625%
HK$16,991
+HK$850/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,282/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,698
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,248
−HK$559/mo
Today · 4.125%
HK$18,807
baseline
▲ 0.50% · 4.625%
HK$19,952
+HK$1,145/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,614/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,688
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,216
−HK$536/mo
Today · 4.125%
HK$20,752
baseline
▲ 0.50% · 4.625%
HK$21,846
+HK$1,094/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,504/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,459 · 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).