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$9,802
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,107
−HK$309/mo
Today · 4.125%
HK$10,416
baseline
▲ 0.50% · 4.625%
HK$11,050
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,832/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,904
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,197
−HK$296/mo
Today · 4.125%
HK$11,493
baseline
▲ 0.50% · 4.625%
HK$12,099
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,986/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,762
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,128
−HK$372/mo
Today · 4.125%
HK$12,500
baseline
▲ 0.50% · 4.625%
HK$13,260
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,000/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,085
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,436
−HK$356/mo
Today · 4.125%
HK$13,792
baseline
▲ 0.50% · 4.625%
HK$14,519
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,584/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,722
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,149
−HK$434/mo
Today · 4.125%
HK$14,583
baseline
▲ 0.50% · 4.625%
HK$15,470
+HK$887/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,166/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,266
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,675
−HK$416/mo
Today · 4.125%
HK$16,091
baseline
▲ 0.50% · 4.625%
HK$16,939
+HK$848/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,182/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,643
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,192
−HK$557/mo
Today · 4.125%
HK$18,749
baseline
▲ 0.50% · 4.625%
HK$19,890
+HK$1,141/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,498/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$59,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,628
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,154
−HK$534/mo
Today · 4.125%
HK$20,688
baseline
▲ 0.50% · 4.625%
HK$21,779
+HK$1,091/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,376/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$59,799 · 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).