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$9,852
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,158
−HK$312/mo
Today · 4.125%
HK$10,470
baseline
▲ 0.50% · 4.625%
HK$11,107
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,940/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$64,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,960
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,254
−HK$298/mo
Today · 4.125%
HK$11,552
baseline
▲ 0.50% · 4.625%
HK$12,161
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,104/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$64,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,822
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,190
−HK$374/mo
Today · 4.125%
HK$12,564
baseline
▲ 0.50% · 4.625%
HK$13,328
+HK$764/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,128/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,152
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,505
−HK$358/mo
Today · 4.125%
HK$13,863
baseline
▲ 0.50% · 4.625%
HK$14,594
+HK$731/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,726/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,793
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,222
−HK$436/mo
Today · 4.125%
HK$14,658
baseline
▲ 0.50% · 4.625%
HK$15,550
+HK$892/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$29,316/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,344
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,756
−HK$417/mo
Today · 4.125%
HK$16,173
baseline
▲ 0.50% · 4.625%
HK$17,026
+HK$853/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$32,346/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,734
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,285
−HK$561/mo
Today · 4.125%
HK$18,846
baseline
▲ 0.50% · 4.625%
HK$19,992
+HK$1,146/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,692/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$64,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,728
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,257
−HK$537/mo
Today · 4.125%
HK$20,794
baseline
▲ 0.50% · 4.625%
HK$21,890
+HK$1,096/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,588/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$64,210 · 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).