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$9,851
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,157
−HK$312/mo
Today · 4.125%
HK$10,469
baseline
▲ 0.50% · 4.625%
HK$11,106
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,938/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$64,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,959
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,253
−HK$298/mo
Today · 4.125%
HK$11,551
baseline
▲ 0.50% · 4.625%
HK$12,160
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,102/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$64,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,821
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,189
−HK$373/mo
Today · 4.125%
HK$12,562
baseline
▲ 0.50% · 4.625%
HK$13,327
+HK$765/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,124/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,151
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,504
−HK$357/mo
Today · 4.125%
HK$13,861
baseline
▲ 0.50% · 4.625%
HK$14,592
+HK$731/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,722/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,791
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,220
−HK$436/mo
Today · 4.125%
HK$14,656
baseline
▲ 0.50% · 4.625%
HK$15,548
+HK$892/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$29,312/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,343
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,754
−HK$418/mo
Today · 4.125%
HK$16,172
baseline
▲ 0.50% · 4.625%
HK$17,024
+HK$852/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$32,344/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,732
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,283
−HK$561/mo
Today · 4.125%
HK$18,844
baseline
▲ 0.50% · 4.625%
HK$19,990
+HK$1,146/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,688/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$64,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,726
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,255
−HK$537/mo
Today · 4.125%
HK$20,792
baseline
▲ 0.50% · 4.625%
HK$21,888
+HK$1,096/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,584/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$64,116 · 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).