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$9,813
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,118
−HK$310/mo
Today · 4.125%
HK$10,428
baseline
▲ 0.50% · 4.625%
HK$11,063
+HK$635/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,856/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,917
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,210
−HK$297/mo
Today · 4.125%
HK$11,507
baseline
▲ 0.50% · 4.625%
HK$12,113
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,014/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,775
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,142
−HK$372/mo
Today · 4.125%
HK$12,514
baseline
▲ 0.50% · 4.625%
HK$13,275
+HK$761/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,028/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,100
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,451
−HK$357/mo
Today · 4.125%
HK$13,808
baseline
▲ 0.50% · 4.625%
HK$14,536
+HK$728/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,616/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,738
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,165
−HK$435/mo
Today · 4.125%
HK$14,600
baseline
▲ 0.50% · 4.625%
HK$15,488
+HK$888/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,200/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,283
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,693
−HK$416/mo
Today · 4.125%
HK$16,109
baseline
▲ 0.50% · 4.625%
HK$16,958
+HK$849/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,218/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,663
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,213
−HK$558/mo
Today · 4.125%
HK$18,771
baseline
▲ 0.50% · 4.625%
HK$19,913
+HK$1,142/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,542/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$60,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,650
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,177
−HK$535/mo
Today · 4.125%
HK$20,712
baseline
▲ 0.50% · 4.625%
HK$21,803
+HK$1,091/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,424/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$60,783 · 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).