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$58,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,891
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,183
−HK$296/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$58,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,747
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,113
−HK$371/mo
Today · 4.125%
HK$12,484
baseline
▲ 0.50% · 4.625%
HK$13,244
+HK$760/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$58,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,069
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,419
−HK$356/mo
Today · 4.125%
HK$13,775
baseline
▲ 0.50% · 4.625%
HK$14,501
+HK$726/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,550/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$58,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,705
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,132
−HK$433/mo
Today · 4.125%
HK$14,565
baseline
▲ 0.50% · 4.625%
HK$15,451
+HK$886/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,130/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,247
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,656
−HK$415/mo
Today · 4.125%
HK$16,071
baseline
▲ 0.50% · 4.625%
HK$16,918
+HK$847/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,142/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,621
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,169
−HK$557/mo
Today · 4.125%
HK$18,726
baseline
▲ 0.50% · 4.625%
HK$19,865
+HK$1,139/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,452/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$58,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,603
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,129
−HK$533/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$58,728 · 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).