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$9,862
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,169
−HK$311/mo
Today · 4.125%
HK$10,480
baseline
▲ 0.50% · 4.625%
HK$11,118
+HK$638/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,960/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,971
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,265
−HK$299/mo
Today · 4.125%
HK$11,564
baseline
▲ 0.50% · 4.625%
HK$12,173
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,128/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,834
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,202
−HK$374/mo
Today · 4.125%
HK$12,576
baseline
▲ 0.50% · 4.625%
HK$13,342
+HK$766/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,152/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,165
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,519
−HK$358/mo
Today · 4.125%
HK$13,877
baseline
▲ 0.50% · 4.625%
HK$14,608
+HK$731/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,754/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$64,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,807
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,236
−HK$436/mo
Today · 4.125%
HK$14,672
baseline
▲ 0.50% · 4.625%
HK$15,565
+HK$893/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,344/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,360
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,772
−HK$418/mo
Today · 4.125%
HK$16,190
baseline
▲ 0.50% · 4.625%
HK$17,043
+HK$853/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,380/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,751
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,303
−HK$561/mo
Today · 4.125%
HK$18,864
baseline
▲ 0.50% · 4.625%
HK$20,012
+HK$1,148/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$37,728/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,748
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,278
−HK$537/mo
Today · 4.125%
HK$20,815
baseline
▲ 0.50% · 4.625%
HK$21,912
+HK$1,097/mo
Deposit HK$432K · loan HK$3.89M · min. income ≈ HK$41,630/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,874 · 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).