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$9,806
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,111
−HK$310/mo
Today · 4.125%
HK$10,421
baseline
▲ 0.50% · 4.625%
HK$11,055
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,842/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,909
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,201
−HK$297/mo
Today · 4.125%
HK$11,498
baseline
▲ 0.50% · 4.625%
HK$12,104
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,996/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,767
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,133
−HK$372/mo
Today · 4.125%
HK$12,505
baseline
▲ 0.50% · 4.625%
HK$13,266
+HK$761/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,010/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,090
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,442
−HK$356/mo
Today · 4.125%
HK$13,798
baseline
▲ 0.50% · 4.625%
HK$14,525
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,596/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,728
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,155
−HK$434/mo
Today · 4.125%
HK$14,589
baseline
▲ 0.50% · 4.625%
HK$15,477
+HK$888/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,178/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,272
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,682
−HK$415/mo
Today · 4.125%
HK$16,097
baseline
▲ 0.50% · 4.625%
HK$16,946
+HK$849/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,194/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,650
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,199
−HK$558/mo
Today · 4.125%
HK$18,757
baseline
▲ 0.50% · 4.625%
HK$19,898
+HK$1,141/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,514/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$60,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,636
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,162
−HK$535/mo
Today · 4.125%
HK$20,697
baseline
▲ 0.50% · 4.625%
HK$21,788
+HK$1,091/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,394/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$60,153 · 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).