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$9,818
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,124
−HK$310/mo
Today · 4.125%
HK$10,434
baseline
▲ 0.50% · 4.625%
HK$11,069
+HK$635/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,868/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$61,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,923
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,216
−HK$297/mo
Today · 4.125%
HK$11,513
baseline
▲ 0.50% · 4.625%
HK$12,120
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,026/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$61,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,782
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,149
−HK$372/mo
Today · 4.125%
HK$12,521
baseline
▲ 0.50% · 4.625%
HK$13,283
+HK$762/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,042/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,107
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,459
−HK$357/mo
Today · 4.125%
HK$13,816
baseline
▲ 0.50% · 4.625%
HK$14,544
+HK$728/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,632/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,746
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,173
−HK$435/mo
Today · 4.125%
HK$14,608
baseline
▲ 0.50% · 4.625%
HK$15,497
+HK$889/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,216/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,292
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,702
−HK$416/mo
Today · 4.125%
HK$16,118
baseline
▲ 0.50% · 4.625%
HK$16,968
+HK$850/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,236/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,673
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,223
−HK$558/mo
Today · 4.125%
HK$18,781
baseline
▲ 0.50% · 4.625%
HK$19,924
+HK$1,143/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,562/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,661
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,188
−HK$535/mo
Today · 4.125%
HK$20,723
baseline
▲ 0.50% · 4.625%
HK$21,816
+HK$1,093/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,446/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,267 · 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).