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$9,842
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,148
−HK$311/mo
Today · 4.125%
HK$10,459
baseline
▲ 0.50% · 4.625%
HK$11,095
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,918/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,949
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,242
−HK$298/mo
Today · 4.125%
HK$11,540
baseline
▲ 0.50% · 4.625%
HK$12,149
+HK$609/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$63,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,810
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,177
−HK$374/mo
Today · 4.125%
HK$12,551
baseline
▲ 0.50% · 4.625%
HK$13,314
+HK$763/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,102/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,139
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,491
−HK$357/mo
Today · 4.125%
HK$13,848
baseline
▲ 0.50% · 4.625%
HK$14,578
+HK$730/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$63,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,778
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,207
−HK$435/mo
Today · 4.125%
HK$14,642
baseline
▲ 0.50% · 4.625%
HK$15,533
+HK$891/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,284/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,328
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,739
−HK$417/mo
Today · 4.125%
HK$16,156
baseline
▲ 0.50% · 4.625%
HK$17,008
+HK$852/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,312/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,715
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,266
−HK$560/mo
Today · 4.125%
HK$18,826
baseline
▲ 0.50% · 4.625%
HK$19,971
+HK$1,145/mo
Deposit HK$432K · loan HK$3.88M · min. income ≈ HK$37,652/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,708
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,236
−HK$537/mo
Today · 4.125%
HK$20,773
baseline
▲ 0.50% · 4.625%
HK$21,867
+HK$1,094/mo
Deposit HK$432K · loan HK$3.88M · min. income ≈ HK$41,546/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,307 · 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).