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$9,815
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,120
−HK$310/mo
Today · 4.125%
HK$10,430
baseline
▲ 0.50% · 4.625%
HK$11,065
+HK$635/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,860/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,919
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,212
−HK$297/mo
Today · 4.125%
HK$11,509
baseline
▲ 0.50% · 4.625%
HK$12,116
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,018/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,778
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,144
−HK$373/mo
Today · 4.125%
HK$12,517
baseline
▲ 0.50% · 4.625%
HK$13,278
+HK$761/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,034/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,103
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,454
−HK$357/mo
Today · 4.125%
HK$13,811
baseline
▲ 0.50% · 4.625%
HK$14,539
+HK$728/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,622/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,741
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,168
−HK$435/mo
Today · 4.125%
HK$14,603
baseline
▲ 0.50% · 4.625%
HK$15,491
+HK$888/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,206/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,287
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,697
−HK$416/mo
Today · 4.125%
HK$16,113
baseline
▲ 0.50% · 4.625%
HK$16,962
+HK$849/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,226/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,667
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,217
−HK$558/mo
Today · 4.125%
HK$18,775
baseline
▲ 0.50% · 4.625%
HK$19,917
+HK$1,142/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,550/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$60,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,654
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,181
−HK$535/mo
Today · 4.125%
HK$20,716
baseline
▲ 0.50% · 4.625%
HK$21,808
+HK$1,092/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,432/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$60,967 · 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).