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$9,800
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,105
−HK$309/mo
Today · 4.125%
HK$10,414
baseline
▲ 0.50% · 4.625%
HK$11,048
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,828/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,902
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,194
−HK$297/mo
Today · 4.125%
HK$11,491
baseline
▲ 0.50% · 4.625%
HK$12,097
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,982/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,760
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,125
−HK$372/mo
Today · 4.125%
HK$12,497
baseline
▲ 0.50% · 4.625%
HK$13,257
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,994/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,082
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,433
−HK$356/mo
Today · 4.125%
HK$13,789
baseline
▲ 0.50% · 4.625%
HK$14,516
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,578/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,720
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,146
−HK$434/mo
Today · 4.125%
HK$14,580
baseline
▲ 0.50% · 4.625%
HK$15,467
+HK$887/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,160/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,263
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,672
−HK$415/mo
Today · 4.125%
HK$16,087
baseline
▲ 0.50% · 4.625%
HK$16,935
+HK$848/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,174/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,639
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,188
−HK$558/mo
Today · 4.125%
HK$18,746
baseline
▲ 0.50% · 4.625%
HK$19,886
+HK$1,140/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,492/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,624
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,150
−HK$534/mo
Today · 4.125%
HK$20,684
baseline
▲ 0.50% · 4.625%
HK$21,774
+HK$1,090/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,368/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,625 · 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).