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$9,830
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,136
−HK$310/mo
Today · 4.125%
HK$10,446
baseline
▲ 0.50% · 4.625%
HK$11,082
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,892/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,936
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,229
−HK$298/mo
Today · 4.125%
HK$11,527
baseline
▲ 0.50% · 4.625%
HK$12,134
+HK$607/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,054/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,796
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,163
−HK$373/mo
Today · 4.125%
HK$12,536
baseline
▲ 0.50% · 4.625%
HK$13,298
+HK$762/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$25,072/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,123
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,475
−HK$357/mo
Today · 4.125%
HK$13,832
baseline
▲ 0.50% · 4.625%
HK$14,561
+HK$729/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$27,664/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,762
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,190
−HK$435/mo
Today · 4.125%
HK$14,625
baseline
▲ 0.50% · 4.625%
HK$15,515
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,250/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,310
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,721
−HK$416/mo
Today · 4.125%
HK$16,137
baseline
▲ 0.50% · 4.625%
HK$16,988
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,274/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,694
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,244
−HK$559/mo
Today · 4.125%
HK$18,803
baseline
▲ 0.50% · 4.625%
HK$19,948
+HK$1,145/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,606/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,684
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,212
−HK$536/mo
Today · 4.125%
HK$20,748
baseline
▲ 0.50% · 4.625%
HK$21,841
+HK$1,093/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,496/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,280 · 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).