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$9,872
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,179
−HK$312/mo
Today · 4.125%
HK$10,491
baseline
▲ 0.50% · 4.625%
HK$11,129
+HK$638/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,982/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,982
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,277
−HK$298/mo
Today · 4.125%
HK$11,575
baseline
▲ 0.50% · 4.625%
HK$12,186
+HK$611/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,150/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,846
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,214
−HK$375/mo
Today · 4.125%
HK$12,589
baseline
▲ 0.50% · 4.625%
HK$13,355
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,178/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,178
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,532
−HK$358/mo
Today · 4.125%
HK$13,890
baseline
▲ 0.50% · 4.625%
HK$14,623
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,780/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,820
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,250
−HK$437/mo
Today · 4.125%
HK$14,687
baseline
▲ 0.50% · 4.625%
HK$15,581
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,374/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,375
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,787
−HK$419/mo
Today · 4.125%
HK$16,206
baseline
▲ 0.50% · 4.625%
HK$17,060
+HK$854/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,412/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,769
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,322
−HK$561/mo
Today · 4.125%
HK$18,883
baseline
▲ 0.50% · 4.625%
HK$20,032
+HK$1,149/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,766/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,768
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,298
−HK$538/mo
Today · 4.125%
HK$20,836
baseline
▲ 0.50% · 4.625%
HK$21,934
+HK$1,098/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,672/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,938 · 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).