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$9,829
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,134
−HK$311/mo
Today · 4.125%
HK$10,445
baseline
▲ 0.50% · 4.625%
HK$11,080
+HK$635/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,890/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,934
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,227
−HK$298/mo
Today · 4.125%
HK$11,525
baseline
▲ 0.50% · 4.625%
HK$12,132
+HK$607/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,050/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,794
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,161
−HK$373/mo
Today · 4.125%
HK$12,534
baseline
▲ 0.50% · 4.625%
HK$13,297
+HK$763/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$25,068/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,121
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,473
−HK$357/mo
Today · 4.125%
HK$13,830
baseline
▲ 0.50% · 4.625%
HK$14,559
+HK$729/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$27,660/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,760
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,188
−HK$435/mo
Today · 4.125%
HK$14,623
baseline
▲ 0.50% · 4.625%
HK$15,513
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,246/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,308
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,718
−HK$417/mo
Today · 4.125%
HK$16,135
baseline
▲ 0.50% · 4.625%
HK$16,985
+HK$850/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,270/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,691
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,242
−HK$559/mo
Today · 4.125%
HK$18,801
baseline
▲ 0.50% · 4.625%
HK$19,945
+HK$1,144/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,602/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,681
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,209
−HK$536/mo
Today · 4.125%
HK$20,745
baseline
▲ 0.50% · 4.625%
HK$21,838
+HK$1,093/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,490/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,157 · 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).