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$9,839
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,145
−HK$311/mo
Today · 4.125%
HK$10,456
baseline
▲ 0.50% · 4.625%
HK$11,093
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,912/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,946
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,240
−HK$298/mo
Today · 4.125%
HK$11,538
baseline
▲ 0.50% · 4.625%
HK$12,146
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,076/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,807
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,175
−HK$373/mo
Today · 4.125%
HK$12,548
baseline
▲ 0.50% · 4.625%
HK$13,311
+HK$763/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,096/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,136
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,488
−HK$357/mo
Today · 4.125%
HK$13,845
baseline
▲ 0.50% · 4.625%
HK$14,575
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,690/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,775
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,204
−HK$435/mo
Today · 4.125%
HK$14,639
baseline
▲ 0.50% · 4.625%
HK$15,530
+HK$891/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,278/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,325
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,736
−HK$417/mo
Today · 4.125%
HK$16,153
baseline
▲ 0.50% · 4.625%
HK$17,004
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,306/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,711
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,262
−HK$560/mo
Today · 4.125%
HK$18,822
baseline
▲ 0.50% · 4.625%
HK$19,967
+HK$1,145/mo
Deposit HK$432K · loan HK$3.88M · min. income ≈ HK$37,644/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,703
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,232
−HK$536/mo
Today · 4.125%
HK$20,768
baseline
▲ 0.50% · 4.625%
HK$21,862
+HK$1,094/mo
Deposit HK$432K · loan HK$3.88M · min. income ≈ HK$41,536/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,110 · 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).