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$9,805
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,110
−HK$310/mo
Today · 4.125%
HK$10,420
baseline
▲ 0.50% · 4.625%
HK$11,054
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,840/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,908
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,200
−HK$297/mo
Today · 4.125%
HK$11,497
baseline
▲ 0.50% · 4.625%
HK$12,103
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,994/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,766
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,132
−HK$372/mo
Today · 4.125%
HK$12,504
baseline
▲ 0.50% · 4.625%
HK$13,264
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,008/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,089
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,440
−HK$357/mo
Today · 4.125%
HK$13,797
baseline
▲ 0.50% · 4.625%
HK$14,524
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,594/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,727
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,154
−HK$434/mo
Today · 4.125%
HK$14,588
baseline
▲ 0.50% · 4.625%
HK$15,475
+HK$887/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,176/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,271
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,680
−HK$416/mo
Today · 4.125%
HK$16,096
baseline
▲ 0.50% · 4.625%
HK$16,944
+HK$848/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,192/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,649
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,198
−HK$557/mo
Today · 4.125%
HK$18,755
baseline
▲ 0.50% · 4.625%
HK$19,897
+HK$1,142/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,510/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$60,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,634
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,161
−HK$534/mo
Today · 4.125%
HK$20,695
baseline
▲ 0.50% · 4.625%
HK$21,786
+HK$1,091/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,390/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$60,077 · 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).