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$9,809
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,114
−HK$310/mo
Today · 4.125%
HK$10,424
baseline
▲ 0.50% · 4.625%
HK$11,058
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,848/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,912
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,205
−HK$297/mo
Today · 4.125%
HK$11,502
baseline
▲ 0.50% · 4.625%
HK$12,108
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,004/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,771
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,137
−HK$372/mo
Today · 4.125%
HK$12,509
baseline
▲ 0.50% · 4.625%
HK$13,270
+HK$761/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,018/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,095
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,446
−HK$356/mo
Today · 4.125%
HK$13,802
baseline
▲ 0.50% · 4.625%
HK$14,530
+HK$728/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,604/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,733
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,160
−HK$434/mo
Today · 4.125%
HK$14,594
baseline
▲ 0.50% · 4.625%
HK$15,482
+HK$888/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,188/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,277
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,687
−HK$416/mo
Today · 4.125%
HK$16,103
baseline
▲ 0.50% · 4.625%
HK$16,951
+HK$848/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,206/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,656
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,205
−HK$558/mo
Today · 4.125%
HK$18,763
baseline
▲ 0.50% · 4.625%
HK$19,905
+HK$1,142/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,526/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$60,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,642
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,169
−HK$534/mo
Today · 4.125%
HK$20,703
baseline
▲ 0.50% · 4.625%
HK$21,795
+HK$1,092/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,406/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$60,436 · 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).