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$9,850
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,157
−HK$311/mo
Today · 4.125%
HK$10,468
baseline
▲ 0.50% · 4.625%
HK$11,105
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,936/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$64,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,958
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,252
−HK$298/mo
Today · 4.125%
HK$11,550
baseline
▲ 0.50% · 4.625%
HK$12,159
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,100/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$64,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,820
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,188
−HK$373/mo
Today · 4.125%
HK$12,561
baseline
▲ 0.50% · 4.625%
HK$13,326
+HK$765/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,122/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,150
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,503
−HK$357/mo
Today · 4.125%
HK$13,860
baseline
▲ 0.50% · 4.625%
HK$14,591
+HK$731/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,720/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,790
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,219
−HK$436/mo
Today · 4.125%
HK$14,655
baseline
▲ 0.50% · 4.625%
HK$15,547
+HK$892/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$29,310/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,342
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,753
−HK$417/mo
Today · 4.125%
HK$16,170
baseline
▲ 0.50% · 4.625%
HK$17,023
+HK$853/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$32,340/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,730
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,282
−HK$560/mo
Today · 4.125%
HK$18,842
baseline
▲ 0.50% · 4.625%
HK$19,989
+HK$1,147/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,684/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$64,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,725
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,254
−HK$537/mo
Today · 4.125%
HK$20,791
baseline
▲ 0.50% · 4.625%
HK$21,886
+HK$1,095/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,582/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$64,057 · 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).