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$9,789
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,094
−HK$309/mo
Today · 4.125%
HK$10,403
baseline
▲ 0.50% · 4.625%
HK$11,036
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,806/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$58,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,890
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,182
−HK$297/mo
Today · 4.125%
HK$11,479
baseline
▲ 0.50% · 4.625%
HK$12,084
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,958/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$58,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,747
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,112
−HK$372/mo
Today · 4.125%
HK$12,484
baseline
▲ 0.50% · 4.625%
HK$13,243
+HK$759/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,968/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$58,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,068
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,419
−HK$355/mo
Today · 4.125%
HK$13,774
baseline
▲ 0.50% · 4.625%
HK$14,500
+HK$726/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,548/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$58,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,705
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,131
−HK$433/mo
Today · 4.125%
HK$14,564
baseline
▲ 0.50% · 4.625%
HK$15,450
+HK$886/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,128/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,246
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,655
−HK$415/mo
Today · 4.125%
HK$16,070
baseline
▲ 0.50% · 4.625%
HK$16,917
+HK$847/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,140/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,620
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,169
−HK$556/mo
Today · 4.125%
HK$18,725
baseline
▲ 0.50% · 4.625%
HK$19,865
+HK$1,140/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,450/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,603
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,128
−HK$534/mo
Today · 4.125%
HK$20,662
baseline
▲ 0.50% · 4.625%
HK$21,751
+HK$1,089/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,324/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,700 · 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).