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$9,839
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,145
−HK$311/mo
Today · 4.125%
HK$10,456
baseline
▲ 0.50% · 4.625%
HK$11,092
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,912/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,946
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,239
−HK$298/mo
Today · 4.125%
HK$11,537
baseline
▲ 0.50% · 4.625%
HK$12,145
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,074/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,807
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,174
−HK$373/mo
Today · 4.125%
HK$12,547
baseline
▲ 0.50% · 4.625%
HK$13,310
+HK$763/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,094/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,135
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,487
−HK$357/mo
Today · 4.125%
HK$13,844
baseline
▲ 0.50% · 4.625%
HK$14,574
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,688/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,774
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,203
−HK$435/mo
Today · 4.125%
HK$14,638
baseline
▲ 0.50% · 4.625%
HK$15,529
+HK$891/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,276/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,324
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,735
−HK$417/mo
Today · 4.125%
HK$16,152
baseline
▲ 0.50% · 4.625%
HK$17,003
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,304/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,710
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,261
−HK$559/mo
Today · 4.125%
HK$18,820
baseline
▲ 0.50% · 4.625%
HK$19,966
+HK$1,146/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,640/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,702
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,230
−HK$536/mo
Today · 4.125%
HK$20,766
baseline
▲ 0.50% · 4.625%
HK$21,861
+HK$1,095/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,532/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,057 · 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).