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$9,822
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,128
−HK$310/mo
Today · 4.125%
HK$10,438
baseline
▲ 0.50% · 4.625%
HK$11,074
+HK$636/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,876/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$61,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,927
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,220
−HK$298/mo
Today · 4.125%
HK$11,518
baseline
▲ 0.50% · 4.625%
HK$12,125
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,036/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$61,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,787
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,154
−HK$372/mo
Today · 4.125%
HK$12,526
baseline
▲ 0.50% · 4.625%
HK$13,288
+HK$762/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,052/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,113
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,464
−HK$357/mo
Today · 4.125%
HK$13,821
baseline
▲ 0.50% · 4.625%
HK$14,550
+HK$729/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,642/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,751
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,179
−HK$435/mo
Today · 4.125%
HK$14,614
baseline
▲ 0.50% · 4.625%
HK$15,503
+HK$889/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,228/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,298
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,709
−HK$416/mo
Today · 4.125%
HK$16,125
baseline
▲ 0.50% · 4.625%
HK$16,975
+HK$850/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,250/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,680
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,230
−HK$559/mo
Today · 4.125%
HK$18,789
baseline
▲ 0.50% · 4.625%
HK$19,932
+HK$1,143/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,578/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,669
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,197
−HK$535/mo
Today · 4.125%
HK$20,732
baseline
▲ 0.50% · 4.625%
HK$21,825
+HK$1,093/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,464/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,619 · 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).