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$9,804
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,109
−HK$310/mo
Today · 4.125%
HK$10,419
baseline
▲ 0.50% · 4.625%
HK$11,052
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,838/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,907
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,199
−HK$297/mo
Today · 4.125%
HK$11,496
baseline
▲ 0.50% · 4.625%
HK$12,102
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,992/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,764
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,130
−HK$372/mo
Today · 4.125%
HK$12,502
baseline
▲ 0.50% · 4.625%
HK$13,263
+HK$761/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,004/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,088
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,439
−HK$356/mo
Today · 4.125%
HK$13,795
baseline
▲ 0.50% · 4.625%
HK$14,522
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,590/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,725
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,152
−HK$434/mo
Today · 4.125%
HK$14,586
baseline
▲ 0.50% · 4.625%
HK$15,473
+HK$887/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,172/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,269
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,679
−HK$415/mo
Today · 4.125%
HK$16,094
baseline
▲ 0.50% · 4.625%
HK$16,942
+HK$848/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,188/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,647
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,196
−HK$557/mo
Today · 4.125%
HK$18,753
baseline
▲ 0.50% · 4.625%
HK$19,894
+HK$1,141/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,506/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$59,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,632
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,158
−HK$534/mo
Today · 4.125%
HK$20,692
baseline
▲ 0.50% · 4.625%
HK$21,783
+HK$1,091/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,384/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$59,980 · 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).