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$9,846
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,152
−HK$311/mo
Today · 4.125%
HK$10,463
baseline
▲ 0.50% · 4.625%
HK$11,100
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,926/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,953
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,247
−HK$298/mo
Today · 4.125%
HK$11,545
baseline
▲ 0.50% · 4.625%
HK$12,154
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,090/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,815
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,182
−HK$374/mo
Today · 4.125%
HK$12,556
baseline
▲ 0.50% · 4.625%
HK$13,320
+HK$764/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,112/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,144
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,497
−HK$357/mo
Today · 4.125%
HK$13,854
baseline
▲ 0.50% · 4.625%
HK$14,584
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,708/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,784
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,213
−HK$436/mo
Today · 4.125%
HK$14,649
baseline
▲ 0.50% · 4.625%
HK$15,540
+HK$891/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$29,298/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,335
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,746
−HK$417/mo
Today · 4.125%
HK$16,163
baseline
▲ 0.50% · 4.625%
HK$17,015
+HK$852/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$32,326/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,722
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,274
−HK$560/mo
Today · 4.125%
HK$18,834
baseline
▲ 0.50% · 4.625%
HK$19,980
+HK$1,146/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,668/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,716
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,245
−HK$536/mo
Today · 4.125%
HK$20,781
baseline
▲ 0.50% · 4.625%
HK$21,877
+HK$1,096/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,562/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,670 · 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).