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$9,794
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,099
−HK$309/mo
Today · 4.125%
HK$10,408
baseline
▲ 0.50% · 4.625%
HK$11,042
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,816/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,896
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,188
−HK$297/mo
Today · 4.125%
HK$11,485
baseline
▲ 0.50% · 4.625%
HK$12,090
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,970/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,753
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,119
−HK$371/mo
Today · 4.125%
HK$12,490
baseline
▲ 0.50% · 4.625%
HK$13,250
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,980/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,075
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,426
−HK$356/mo
Today · 4.125%
HK$13,782
baseline
▲ 0.50% · 4.625%
HK$14,508
+HK$726/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,564/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,712
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,138
−HK$434/mo
Today · 4.125%
HK$14,572
baseline
▲ 0.50% · 4.625%
HK$15,458
+HK$886/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,144/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,254
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,664
−HK$415/mo
Today · 4.125%
HK$16,079
baseline
▲ 0.50% · 4.625%
HK$16,926
+HK$847/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,158/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,630
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,178
−HK$557/mo
Today · 4.125%
HK$18,735
baseline
▲ 0.50% · 4.625%
HK$19,875
+HK$1,140/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,470/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,613
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,139
−HK$533/mo
Today · 4.125%
HK$20,672
baseline
▲ 0.50% · 4.625%
HK$21,762
+HK$1,090/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,344/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,149 · 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).