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$9,833
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,139
−HK$311/mo
Today · 4.125%
HK$10,450
baseline
▲ 0.50% · 4.625%
HK$11,086
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,900/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,939
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,233
−HK$297/mo
Today · 4.125%
HK$11,530
baseline
▲ 0.50% · 4.625%
HK$12,138
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,060/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,800
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,167
−HK$373/mo
Today · 4.125%
HK$12,540
baseline
▲ 0.50% · 4.625%
HK$13,303
+HK$763/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$25,080/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,127
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,479
−HK$357/mo
Today · 4.125%
HK$13,836
baseline
▲ 0.50% · 4.625%
HK$14,566
+HK$730/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$27,672/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,766
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,195
−HK$435/mo
Today · 4.125%
HK$14,630
baseline
▲ 0.50% · 4.625%
HK$15,520
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,260/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,315
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,726
−HK$416/mo
Today · 4.125%
HK$16,142
baseline
▲ 0.50% · 4.625%
HK$16,993
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,284/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,700
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,250
−HK$560/mo
Today · 4.125%
HK$18,810
baseline
▲ 0.50% · 4.625%
HK$19,954
+HK$1,144/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,620/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,691
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,219
−HK$536/mo
Today · 4.125%
HK$20,755
baseline
▲ 0.50% · 4.625%
HK$21,849
+HK$1,094/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,510/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,564 · 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).