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$9,799
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,103
−HK$310/mo
Today · 4.125%
HK$10,413
baseline
▲ 0.50% · 4.625%
HK$11,047
+HK$634/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$59,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,901
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,193
−HK$297/mo
Today · 4.125%
HK$11,490
baseline
▲ 0.50% · 4.625%
HK$12,095
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,980/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,758
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,124
−HK$372/mo
Today · 4.125%
HK$12,496
baseline
▲ 0.50% · 4.625%
HK$13,256
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,992/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,081
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,432
−HK$356/mo
Today · 4.125%
HK$13,788
baseline
▲ 0.50% · 4.625%
HK$14,515
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,576/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,718
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,145
−HK$433/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$59,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,261
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,671
−HK$415/mo
Today · 4.125%
HK$16,086
baseline
▲ 0.50% · 4.625%
HK$16,934
+HK$848/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,172/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,638
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,186
−HK$558/mo
Today · 4.125%
HK$18,744
baseline
▲ 0.50% · 4.625%
HK$19,884
+HK$1,140/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,488/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,622
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,148
−HK$534/mo
Today · 4.125%
HK$20,682
baseline
▲ 0.50% · 4.625%
HK$21,772
+HK$1,090/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,364/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,532 · 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).