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$616/mo
▼ 0.25% · 3.875%
HK$10,143
−HK$310/mo
Today · 4.125%
HK$10,453
baseline
▲ 0.50% · 4.625%
HK$11,089
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,906/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,943
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,237
−HK$297/mo
Today · 4.125%
HK$11,534
baseline
▲ 0.50% · 4.625%
HK$12,142
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,068/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,804
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,171
−HK$373/mo
Today · 4.125%
HK$12,544
baseline
▲ 0.50% · 4.625%
HK$13,307
+HK$763/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,088/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,132
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,484
−HK$357/mo
Today · 4.125%
HK$13,841
baseline
▲ 0.50% · 4.625%
HK$14,571
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,682/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,771
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,200
−HK$435/mo
Today · 4.125%
HK$14,635
baseline
▲ 0.50% · 4.625%
HK$15,525
+HK$890/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$62,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,320
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,731
−HK$417/mo
Today · 4.125%
HK$16,148
baseline
▲ 0.50% · 4.625%
HK$16,999
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,296/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,706
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,257
−HK$559/mo
Today · 4.125%
HK$18,816
baseline
▲ 0.50% · 4.625%
HK$19,961
+HK$1,145/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,632/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,860 · 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$21,856
+HK$1,094/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$62,860 · 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).