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$9,820
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,126
−HK$310/mo
Today · 4.125%
HK$10,436
baseline
▲ 0.50% · 4.625%
HK$11,071
+HK$635/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,872/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$61,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,925
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,218
−HK$297/mo
Today · 4.125%
HK$11,515
baseline
▲ 0.50% · 4.625%
HK$12,122
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,030/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$61,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,785
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,151
−HK$373/mo
Today · 4.125%
HK$12,524
baseline
▲ 0.50% · 4.625%
HK$13,286
+HK$762/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,048/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,110
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,462
−HK$356/mo
Today · 4.125%
HK$13,818
baseline
▲ 0.50% · 4.625%
HK$14,547
+HK$729/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,636/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,749
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,176
−HK$435/mo
Today · 4.125%
HK$14,611
baseline
▲ 0.50% · 4.625%
HK$15,500
+HK$889/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,222/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,295
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,705
−HK$417/mo
Today · 4.125%
HK$16,122
baseline
▲ 0.50% · 4.625%
HK$16,971
+HK$849/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,244/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,677
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,227
−HK$558/mo
Today · 4.125%
HK$18,785
baseline
▲ 0.50% · 4.625%
HK$19,928
+HK$1,143/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,570/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,665
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,193
−HK$535/mo
Today · 4.125%
HK$20,728
baseline
▲ 0.50% · 4.625%
HK$21,820
+HK$1,092/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,456/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,445 · 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).