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$9,797
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,102
−HK$310/mo
Today · 4.125%
HK$10,412
baseline
▲ 0.50% · 4.625%
HK$11,045
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,824/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,899
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,192
−HK$296/mo
Today · 4.125%
HK$11,488
baseline
▲ 0.50% · 4.625%
HK$12,094
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,976/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,757
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,122
−HK$372/mo
Today · 4.125%
HK$12,494
baseline
▲ 0.50% · 4.625%
HK$13,254
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,988/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,079
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,430
−HK$356/mo
Today · 4.125%
HK$13,786
baseline
▲ 0.50% · 4.625%
HK$14,513
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,572/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,716
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,143
−HK$433/mo
Today · 4.125%
HK$14,576
baseline
▲ 0.50% · 4.625%
HK$15,463
+HK$887/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,152/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,259
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,668
−HK$416/mo
Today · 4.125%
HK$16,084
baseline
▲ 0.50% · 4.625%
HK$16,931
+HK$847/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,168/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,635
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,184
−HK$557/mo
Today · 4.125%
HK$18,741
baseline
▲ 0.50% · 4.625%
HK$19,881
+HK$1,140/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,482/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,619
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,145
−HK$534/mo
Today · 4.125%
HK$20,679
baseline
▲ 0.50% · 4.625%
HK$21,769
+HK$1,090/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,358/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,417 · 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).