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$9,825
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,131
−HK$310/mo
Today · 4.125%
HK$10,441
baseline
▲ 0.50% · 4.625%
HK$11,076
+HK$635/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,882/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$61,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,930
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,223
−HK$298/mo
Today · 4.125%
HK$11,521
baseline
▲ 0.50% · 4.625%
HK$12,128
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,042/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$61,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,790
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,157
−HK$372/mo
Today · 4.125%
HK$12,529
baseline
▲ 0.50% · 4.625%
HK$13,292
+HK$763/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$25,058/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$61,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,116
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,468
−HK$357/mo
Today · 4.125%
HK$13,825
baseline
▲ 0.50% · 4.625%
HK$14,554
+HK$729/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$27,650/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$61,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,755
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,183
−HK$435/mo
Today · 4.125%
HK$14,618
baseline
▲ 0.50% · 4.625%
HK$15,507
+HK$889/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,236/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,302
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,713
−HK$416/mo
Today · 4.125%
HK$16,129
baseline
▲ 0.50% · 4.625%
HK$16,979
+HK$850/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,258/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,685
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,235
−HK$559/mo
Today · 4.125%
HK$18,794
baseline
▲ 0.50% · 4.625%
HK$19,938
+HK$1,144/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,588/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$61,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,674
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,202
−HK$535/mo
Today · 4.125%
HK$20,737
baseline
▲ 0.50% · 4.625%
HK$21,831
+HK$1,094/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,474/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$61,849 · 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).