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$9,827
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,133
−HK$310/mo
Today · 4.125%
HK$10,443
baseline
▲ 0.50% · 4.625%
HK$11,079
+HK$636/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,886/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,932
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,225
−HK$298/mo
Today · 4.125%
HK$11,523
baseline
▲ 0.50% · 4.625%
HK$12,130
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,046/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,792
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,159
−HK$373/mo
Today · 4.125%
HK$12,532
baseline
▲ 0.50% · 4.625%
HK$13,294
+HK$762/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$25,064/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,119
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,471
−HK$357/mo
Today · 4.125%
HK$13,828
baseline
▲ 0.50% · 4.625%
HK$14,556
+HK$728/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$27,656/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,758
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,186
−HK$434/mo
Today · 4.125%
HK$14,620
baseline
▲ 0.50% · 4.625%
HK$15,510
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,240/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$62,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,305
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,716
−HK$416/mo
Today · 4.125%
HK$16,132
baseline
▲ 0.50% · 4.625%
HK$16,982
+HK$850/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,264/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$62,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,688
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,239
−HK$559/mo
Today · 4.125%
HK$18,798
baseline
▲ 0.50% · 4.625%
HK$19,941
+HK$1,143/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,596/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,678
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,206
−HK$535/mo
Today · 4.125%
HK$20,741
baseline
▲ 0.50% · 4.625%
HK$21,835
+HK$1,094/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,482/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,009 · 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).