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$9,812
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,117
−HK$310/mo
Today · 4.125%
HK$10,427
baseline
▲ 0.50% · 4.625%
HK$11,062
+HK$635/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,854/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,916
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,208
−HK$297/mo
Today · 4.125%
HK$11,505
baseline
▲ 0.50% · 4.625%
HK$12,112
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,010/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,774
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,140
−HK$373/mo
Today · 4.125%
HK$12,513
baseline
▲ 0.50% · 4.625%
HK$13,274
+HK$761/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,026/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,099
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,450
−HK$356/mo
Today · 4.125%
HK$13,806
baseline
▲ 0.50% · 4.625%
HK$14,534
+HK$728/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,612/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,737
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,164
−HK$434/mo
Today · 4.125%
HK$14,598
baseline
▲ 0.50% · 4.625%
HK$15,486
+HK$888/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,196/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,282
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,692
−HK$415/mo
Today · 4.125%
HK$16,107
baseline
▲ 0.50% · 4.625%
HK$16,956
+HK$849/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,214/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,661
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,211
−HK$558/mo
Today · 4.125%
HK$18,769
baseline
▲ 0.50% · 4.625%
HK$19,911
+HK$1,142/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,538/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$60,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,648
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,175
−HK$535/mo
Today · 4.125%
HK$20,710
baseline
▲ 0.50% · 4.625%
HK$21,801
+HK$1,091/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,420/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$60,691 · 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).