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$9,856
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,162
−HK$312/mo
Today · 4.125%
HK$10,474
baseline
▲ 0.50% · 4.625%
HK$11,111
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,948/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,964
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,259
−HK$298/mo
Today · 4.125%
HK$11,557
baseline
▲ 0.50% · 4.625%
HK$12,166
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,114/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,827
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,195
−HK$374/mo
Today · 4.125%
HK$12,569
baseline
▲ 0.50% · 4.625%
HK$13,333
+HK$764/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,138/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,157
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,510
−HK$358/mo
Today · 4.125%
HK$13,868
baseline
▲ 0.50% · 4.625%
HK$14,599
+HK$731/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,736/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,798
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,227
−HK$436/mo
Today · 4.125%
HK$14,663
baseline
▲ 0.50% · 4.625%
HK$15,556
+HK$893/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,326/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,350
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,762
−HK$418/mo
Today · 4.125%
HK$16,180
baseline
▲ 0.50% · 4.625%
HK$17,032
+HK$852/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,360/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,740
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,292
−HK$561/mo
Today · 4.125%
HK$18,853
baseline
▲ 0.50% · 4.625%
HK$20,000
+HK$1,147/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,706/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,736
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,265
−HK$537/mo
Today · 4.125%
HK$20,802
baseline
▲ 0.50% · 4.625%
HK$21,899
+HK$1,097/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,604/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,545 · 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).