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$10,127
−HK$311/mo
Today · 4.125%
HK$10,438
baseline
▲ 0.50% · 4.625%
HK$11,073
+HK$635/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$61,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,927
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,220
−HK$297/mo
Today · 4.125%
HK$11,517
baseline
▲ 0.50% · 4.625%
HK$12,124
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,034/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$61,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,786
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,153
−HK$372/mo
Today · 4.125%
HK$12,525
baseline
▲ 0.50% · 4.625%
HK$13,287
+HK$762/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,050/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,112
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,463
−HK$357/mo
Today · 4.125%
HK$13,820
baseline
▲ 0.50% · 4.625%
HK$14,549
+HK$729/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,640/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,750
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,178
−HK$435/mo
Today · 4.125%
HK$14,613
baseline
▲ 0.50% · 4.625%
HK$15,502
+HK$889/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,226/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,297
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,707
−HK$417/mo
Today · 4.125%
HK$16,124
baseline
▲ 0.50% · 4.625%
HK$16,974
+HK$850/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,248/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,679
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,229
−HK$559/mo
Today · 4.125%
HK$18,788
baseline
▲ 0.50% · 4.625%
HK$19,931
+HK$1,143/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,576/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,668
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,195
−HK$535/mo
Today · 4.125%
HK$20,730
baseline
▲ 0.50% · 4.625%
HK$21,823
+HK$1,093/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,460/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,556 · 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).