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$9,790
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,095
−HK$309/mo
Today · 4.125%
HK$10,404
baseline
▲ 0.50% · 4.625%
HK$11,037
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,808/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$58,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,892
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,184
−HK$296/mo
Today · 4.125%
HK$11,480
baseline
▲ 0.50% · 4.625%
HK$12,085
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,960/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$58,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,748
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,114
−HK$371/mo
Today · 4.125%
HK$12,485
baseline
▲ 0.50% · 4.625%
HK$13,245
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,970/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$58,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,070
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,421
−HK$355/mo
Today · 4.125%
HK$13,776
baseline
▲ 0.50% · 4.625%
HK$14,502
+HK$726/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,552/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$58,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,707
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,133
−HK$433/mo
Today · 4.125%
HK$14,566
baseline
▲ 0.50% · 4.625%
HK$15,452
+HK$886/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,132/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,248
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,657
−HK$415/mo
Today · 4.125%
HK$16,072
baseline
▲ 0.50% · 4.625%
HK$16,919
+HK$847/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,144/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,623
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,171
−HK$557/mo
Today · 4.125%
HK$18,728
baseline
▲ 0.50% · 4.625%
HK$19,867
+HK$1,139/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,456/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,605
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,131
−HK$533/mo
Today · 4.125%
HK$20,664
baseline
▲ 0.50% · 4.625%
HK$21,753
+HK$1,089/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,328/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,808 · 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).