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$9,841
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,147
−HK$311/mo
Today · 4.125%
HK$10,458
baseline
▲ 0.50% · 4.625%
HK$11,095
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,916/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,948
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,242
−HK$298/mo
Today · 4.125%
HK$11,540
baseline
▲ 0.50% · 4.625%
HK$12,148
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,080/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,809
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,177
−HK$373/mo
Today · 4.125%
HK$12,550
baseline
▲ 0.50% · 4.625%
HK$13,313
+HK$763/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,100/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,138
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,490
−HK$358/mo
Today · 4.125%
HK$13,848
baseline
▲ 0.50% · 4.625%
HK$14,577
+HK$729/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,696/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,778
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,206
−HK$435/mo
Today · 4.125%
HK$14,641
baseline
▲ 0.50% · 4.625%
HK$15,532
+HK$891/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,282/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,327
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,738
−HK$417/mo
Today · 4.125%
HK$16,155
baseline
▲ 0.50% · 4.625%
HK$17,007
+HK$852/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,310/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,714
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,265
−HK$560/mo
Today · 4.125%
HK$18,825
baseline
▲ 0.50% · 4.625%
HK$19,970
+HK$1,145/mo
Deposit HK$432K · loan HK$3.88M · min. income ≈ HK$37,650/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,707
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,235
−HK$536/mo
Today · 4.125%
HK$20,771
baseline
▲ 0.50% · 4.625%
HK$21,866
+HK$1,095/mo
Deposit HK$432K · loan HK$3.88M · min. income ≈ HK$41,542/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,257 · 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).