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$9,816
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,121
−HK$310/mo
Today · 4.125%
HK$10,431
baseline
▲ 0.50% · 4.625%
HK$11,066
+HK$635/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,862/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$61,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,920
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,213
−HK$297/mo
Today · 4.125%
HK$11,510
baseline
▲ 0.50% · 4.625%
HK$12,116
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,020/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$61,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,779
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,145
−HK$372/mo
Today · 4.125%
HK$12,517
baseline
▲ 0.50% · 4.625%
HK$13,279
+HK$762/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$61,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,104
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,455
−HK$357/mo
Today · 4.125%
HK$13,812
baseline
▲ 0.50% · 4.625%
HK$14,540
+HK$728/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,624/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,742
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,169
−HK$435/mo
Today · 4.125%
HK$14,604
baseline
▲ 0.50% · 4.625%
HK$15,492
+HK$888/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,208/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,288
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,698
−HK$416/mo
Today · 4.125%
HK$16,114
baseline
▲ 0.50% · 4.625%
HK$16,963
+HK$849/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,228/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,668
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,218
−HK$558/mo
Today · 4.125%
HK$18,776
baseline
▲ 0.50% · 4.625%
HK$19,919
+HK$1,143/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,552/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$61,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,656
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,183
−HK$535/mo
Today · 4.125%
HK$20,718
baseline
▲ 0.50% · 4.625%
HK$21,810
+HK$1,092/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,436/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$61,026 · 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).