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$9,798
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,103
−HK$310/mo
Today · 4.125%
HK$10,413
baseline
▲ 0.50% · 4.625%
HK$11,046
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,826/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,901
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,193
−HK$296/mo
Today · 4.125%
HK$11,489
baseline
▲ 0.50% · 4.625%
HK$12,095
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,978/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,758
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,124
−HK$371/mo
Today · 4.125%
HK$12,495
baseline
▲ 0.50% · 4.625%
HK$13,256
+HK$761/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,990/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,081
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,431
−HK$356/mo
Today · 4.125%
HK$13,787
baseline
▲ 0.50% · 4.625%
HK$14,514
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,574/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,718
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,144
−HK$434/mo
Today · 4.125%
HK$14,578
baseline
▲ 0.50% · 4.625%
HK$15,465
+HK$887/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,156/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,261
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,670
−HK$415/mo
Today · 4.125%
HK$16,085
baseline
▲ 0.50% · 4.625%
HK$16,933
+HK$848/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,170/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,637
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,186
−HK$557/mo
Today · 4.125%
HK$18,743
baseline
▲ 0.50% · 4.625%
HK$19,883
+HK$1,140/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,486/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,621
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,147
−HK$534/mo
Today · 4.125%
HK$20,681
baseline
▲ 0.50% · 4.625%
HK$21,771
+HK$1,090/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,362/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,504 · 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).