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$9,799
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,104
−HK$310/mo
Today · 4.125%
HK$10,414
baseline
▲ 0.50% · 4.625%
HK$11,047
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,828/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,901
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,194
−HK$296/mo
Today · 4.125%
HK$11,490
baseline
▲ 0.50% · 4.625%
HK$12,096
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,980/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,759
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,125
−HK$371/mo
Today · 4.125%
HK$12,496
baseline
▲ 0.50% · 4.625%
HK$13,257
+HK$761/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,992/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,082
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,433
−HK$356/mo
Today · 4.125%
HK$13,789
baseline
▲ 0.50% · 4.625%
HK$14,515
+HK$726/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,578/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,719
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,146
−HK$433/mo
Today · 4.125%
HK$14,579
baseline
▲ 0.50% · 4.625%
HK$15,466
+HK$887/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,158/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,262
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,671
−HK$416/mo
Today · 4.125%
HK$16,087
baseline
▲ 0.50% · 4.625%
HK$16,935
+HK$848/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,174/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,638
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,187
−HK$558/mo
Today · 4.125%
HK$18,745
baseline
▲ 0.50% · 4.625%
HK$19,885
+HK$1,140/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,490/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,623
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,149
−HK$534/mo
Today · 4.125%
HK$20,683
baseline
▲ 0.50% · 4.625%
HK$21,773
+HK$1,090/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,366/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,578 · 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).