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$9,796
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,100
−HK$310/mo
Today · 4.125%
HK$10,410
baseline
▲ 0.50% · 4.625%
HK$11,043
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,820/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,898
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,190
−HK$296/mo
Today · 4.125%
HK$11,486
baseline
▲ 0.50% · 4.625%
HK$12,092
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,972/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,755
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,120
−HK$372/mo
Today · 4.125%
HK$12,492
baseline
▲ 0.50% · 4.625%
HK$13,252
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,984/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,077
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,428
−HK$356/mo
Today · 4.125%
HK$13,784
baseline
▲ 0.50% · 4.625%
HK$14,510
+HK$726/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,568/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,714
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,140
−HK$434/mo
Today · 4.125%
HK$14,574
baseline
▲ 0.50% · 4.625%
HK$15,461
+HK$887/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,148/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,257
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,666
−HK$415/mo
Today · 4.125%
HK$16,081
baseline
▲ 0.50% · 4.625%
HK$16,928
+HK$847/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,162/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,632
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,181
−HK$557/mo
Today · 4.125%
HK$18,738
baseline
▲ 0.50% · 4.625%
HK$19,878
+HK$1,140/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,476/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,616
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,142
−HK$533/mo
Today · 4.125%
HK$20,675
baseline
▲ 0.50% · 4.625%
HK$21,765
+HK$1,090/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,350/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,267 · 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).