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$9,793
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,098
−HK$309/mo
Today · 4.125%
HK$10,407
baseline
▲ 0.50% · 4.625%
HK$11,041
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,814/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,895
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,187
−HK$297/mo
Today · 4.125%
HK$11,484
baseline
▲ 0.50% · 4.625%
HK$12,089
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,968/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,752
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,118
−HK$371/mo
Today · 4.125%
HK$12,489
baseline
▲ 0.50% · 4.625%
HK$13,249
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,978/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,074
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,425
−HK$355/mo
Today · 4.125%
HK$13,780
baseline
▲ 0.50% · 4.625%
HK$14,507
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,560/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,711
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,137
−HK$433/mo
Today · 4.125%
HK$14,570
baseline
▲ 0.50% · 4.625%
HK$15,457
+HK$887/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,140/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,253
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,662
−HK$415/mo
Today · 4.125%
HK$16,077
baseline
▲ 0.50% · 4.625%
HK$16,925
+HK$848/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,154/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,628
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,176
−HK$557/mo
Today · 4.125%
HK$18,733
baseline
▲ 0.50% · 4.625%
HK$19,873
+HK$1,140/mo
Deposit HK$429K · loan HK$3.87M · min. income ≈ HK$37,466/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,611
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,137
−HK$534/mo
Today · 4.125%
HK$20,671
baseline
▲ 0.50% · 4.625%
HK$21,760
+HK$1,089/mo
Deposit HK$429K · loan HK$3.87M · min. income ≈ HK$41,342/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,070 · 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).