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$9,791
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,096
−HK$309/mo
Today · 4.125%
HK$10,405
baseline
▲ 0.50% · 4.625%
HK$11,038
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,810/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$58,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,892
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,184
−HK$297/mo
Today · 4.125%
HK$11,481
baseline
▲ 0.50% · 4.625%
HK$12,086
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,962/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$58,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,749
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,115
−HK$371/mo
Today · 4.125%
HK$12,486
baseline
▲ 0.50% · 4.625%
HK$13,246
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,972/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$58,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,071
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,421
−HK$356/mo
Today · 4.125%
HK$13,777
baseline
▲ 0.50% · 4.625%
HK$14,503
+HK$726/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,554/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$58,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,707
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,134
−HK$433/mo
Today · 4.125%
HK$14,567
baseline
▲ 0.50% · 4.625%
HK$15,453
+HK$886/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,134/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,249
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,658
−HK$415/mo
Today · 4.125%
HK$16,073
baseline
▲ 0.50% · 4.625%
HK$16,920
+HK$847/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,146/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,624
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,172
−HK$557/mo
Today · 4.125%
HK$18,729
baseline
▲ 0.50% · 4.625%
HK$19,869
+HK$1,140/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,458/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,606
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,132
−HK$534/mo
Today · 4.125%
HK$20,666
baseline
▲ 0.50% · 4.625%
HK$21,755
+HK$1,089/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,332/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,861 · 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).