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$9,849
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,155
−HK$311/mo
Today · 4.125%
HK$10,466
baseline
▲ 0.50% · 4.625%
HK$11,103
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,932/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,957
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,251
−HK$298/mo
Today · 4.125%
HK$11,549
baseline
▲ 0.50% · 4.625%
HK$12,157
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,098/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,819
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,186
−HK$374/mo
Today · 4.125%
HK$12,560
baseline
▲ 0.50% · 4.625%
HK$13,324
+HK$764/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,120/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,148
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,501
−HK$357/mo
Today · 4.125%
HK$13,858
baseline
▲ 0.50% · 4.625%
HK$14,589
+HK$731/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,716/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,788
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,217
−HK$436/mo
Today · 4.125%
HK$14,653
baseline
▲ 0.50% · 4.625%
HK$15,545
+HK$892/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$29,306/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,339
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,751
−HK$417/mo
Today · 4.125%
HK$16,168
baseline
▲ 0.50% · 4.625%
HK$17,020
+HK$852/mo
Deposit HK$1.30M · loan HK$3.02M · min. income ≈ HK$32,336/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,728
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,279
−HK$560/mo
Today · 4.125%
HK$18,839
baseline
▲ 0.50% · 4.625%
HK$19,986
+HK$1,147/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,678/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$63,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,722
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,251
−HK$537/mo
Today · 4.125%
HK$20,788
baseline
▲ 0.50% · 4.625%
HK$21,883
+HK$1,095/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,576/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$63,931 · 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).