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$9,809
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,114
−HK$311/mo
Today · 4.125%
HK$10,425
baseline
▲ 0.50% · 4.625%
HK$11,059
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,850/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,913
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,205
−HK$297/mo
Today · 4.125%
HK$11,502
baseline
▲ 0.50% · 4.625%
HK$12,109
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,004/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,771
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,137
−HK$372/mo
Today · 4.125%
HK$12,509
baseline
▲ 0.50% · 4.625%
HK$13,271
+HK$762/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,018/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,095
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,447
−HK$356/mo
Today · 4.125%
HK$13,803
baseline
▲ 0.50% · 4.625%
HK$14,530
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,606/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,733
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,160
−HK$434/mo
Today · 4.125%
HK$14,594
baseline
▲ 0.50% · 4.625%
HK$15,482
+HK$888/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,188/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,278
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,688
−HK$415/mo
Today · 4.125%
HK$16,103
baseline
▲ 0.50% · 4.625%
HK$16,952
+HK$849/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,206/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,657
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,206
−HK$558/mo
Today · 4.125%
HK$18,764
baseline
▲ 0.50% · 4.625%
HK$19,906
+HK$1,142/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,528/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$60,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,643
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,170
−HK$534/mo
Today · 4.125%
HK$20,704
baseline
▲ 0.50% · 4.625%
HK$21,796
+HK$1,092/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,408/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$60,474 · 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).