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$9,837
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,143
−HK$311/mo
Today · 4.125%
HK$10,454
baseline
▲ 0.50% · 4.625%
HK$11,090
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,908/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,943
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,237
−HK$298/mo
Today · 4.125%
HK$11,535
baseline
▲ 0.50% · 4.625%
HK$12,143
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,070/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,804
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,171
−HK$374/mo
Today · 4.125%
HK$12,545
baseline
▲ 0.50% · 4.625%
HK$13,308
+HK$763/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,090/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,132
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,484
−HK$358/mo
Today · 4.125%
HK$13,842
baseline
▲ 0.50% · 4.625%
HK$14,571
+HK$729/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,684/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,772
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,200
−HK$435/mo
Today · 4.125%
HK$14,635
baseline
▲ 0.50% · 4.625%
HK$15,526
+HK$891/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,270/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,321
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,732
−HK$417/mo
Today · 4.125%
HK$16,149
baseline
▲ 0.50% · 4.625%
HK$17,000
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,298/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,706
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,257
−HK$560/mo
Today · 4.125%
HK$18,817
baseline
▲ 0.50% · 4.625%
HK$19,962
+HK$1,145/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,634/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,698
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,226
−HK$536/mo
Today · 4.125%
HK$20,762
baseline
▲ 0.50% · 4.625%
HK$21,857
+HK$1,095/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,524/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,889 · 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).