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$9,855
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,162
−HK$311/mo
Today · 4.125%
HK$10,473
baseline
▲ 0.50% · 4.625%
HK$11,111
+HK$638/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,946/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,964
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,258
−HK$298/mo
Today · 4.125%
HK$11,556
baseline
▲ 0.50% · 4.625%
HK$12,166
+HK$610/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,112/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,826
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,194
−HK$374/mo
Today · 4.125%
HK$12,568
baseline
▲ 0.50% · 4.625%
HK$13,333
+HK$765/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,136/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,157
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,510
−HK$358/mo
Today · 4.125%
HK$13,868
baseline
▲ 0.50% · 4.625%
HK$14,599
+HK$731/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,736/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,798
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,227
−HK$436/mo
Today · 4.125%
HK$14,663
baseline
▲ 0.50% · 4.625%
HK$15,555
+HK$892/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,326/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,350
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,761
−HK$418/mo
Today · 4.125%
HK$16,179
baseline
▲ 0.50% · 4.625%
HK$17,032
+HK$853/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,358/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,740
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,291
−HK$561/mo
Today · 4.125%
HK$18,852
baseline
▲ 0.50% · 4.625%
HK$19,999
+HK$1,147/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,704/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,735
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,265
−HK$536/mo
Today · 4.125%
HK$20,801
baseline
▲ 0.50% · 4.625%
HK$21,898
+HK$1,097/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,602/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,511 · 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).