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$9,797
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,101
−HK$310/mo
Today · 4.125%
HK$10,411
baseline
▲ 0.50% · 4.625%
HK$11,045
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,822/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,899
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,191
−HK$297/mo
Today · 4.125%
HK$11,488
baseline
▲ 0.50% · 4.625%
HK$12,093
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,976/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,756
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,122
−HK$371/mo
Today · 4.125%
HK$12,493
baseline
▲ 0.50% · 4.625%
HK$13,253
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,986/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,078
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,429
−HK$356/mo
Today · 4.125%
HK$13,785
baseline
▲ 0.50% · 4.625%
HK$14,512
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,570/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,715
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,142
−HK$433/mo
Today · 4.125%
HK$14,575
baseline
▲ 0.50% · 4.625%
HK$15,462
+HK$887/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,150/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,258
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,667
−HK$416/mo
Today · 4.125%
HK$16,083
baseline
▲ 0.50% · 4.625%
HK$16,930
+HK$847/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,166/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,634
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,183
−HK$557/mo
Today · 4.125%
HK$18,740
baseline
▲ 0.50% · 4.625%
HK$19,880
+HK$1,140/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,480/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,618
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,144
−HK$534/mo
Today · 4.125%
HK$20,678
baseline
▲ 0.50% · 4.625%
HK$21,767
+HK$1,089/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,356/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,362 · 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).