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$9,841
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,147
−HK$311/mo
Today · 4.125%
HK$10,458
baseline
▲ 0.50% · 4.625%
HK$11,094
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,916/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,948
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,241
−HK$298/mo
Today · 4.125%
HK$11,539
baseline
▲ 0.50% · 4.625%
HK$12,147
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,078/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,809
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,176
−HK$373/mo
Today · 4.125%
HK$12,549
baseline
▲ 0.50% · 4.625%
HK$13,313
+HK$764/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,098/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,137
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,490
−HK$357/mo
Today · 4.125%
HK$13,847
baseline
▲ 0.50% · 4.625%
HK$14,577
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,694/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,777
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,206
−HK$435/mo
Today · 4.125%
HK$14,641
baseline
▲ 0.50% · 4.625%
HK$15,532
+HK$891/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,282/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,327
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,738
−HK$417/mo
Today · 4.125%
HK$16,155
baseline
▲ 0.50% · 4.625%
HK$17,006
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,310/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,713
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,264
−HK$560/mo
Today · 4.125%
HK$18,824
baseline
▲ 0.50% · 4.625%
HK$19,970
+HK$1,146/mo
Deposit HK$432K · loan HK$3.88M · min. income ≈ HK$37,648/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,706
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,234
−HK$537/mo
Today · 4.125%
HK$20,771
baseline
▲ 0.50% · 4.625%
HK$21,865
+HK$1,094/mo
Deposit HK$432K · loan HK$3.88M · min. income ≈ HK$41,542/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,229 · 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).