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$9,817
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,122
−HK$311/mo
Today · 4.125%
HK$10,433
baseline
▲ 0.50% · 4.625%
HK$11,067
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,866/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$61,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,921
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,214
−HK$297/mo
Today · 4.125%
HK$11,511
baseline
▲ 0.50% · 4.625%
HK$12,118
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,022/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$61,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,780
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,147
−HK$372/mo
Today · 4.125%
HK$12,519
baseline
▲ 0.50% · 4.625%
HK$13,281
+HK$762/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,038/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,105
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,457
−HK$357/mo
Today · 4.125%
HK$13,814
baseline
▲ 0.50% · 4.625%
HK$14,542
+HK$728/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,628/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,744
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,171
−HK$435/mo
Today · 4.125%
HK$14,606
baseline
▲ 0.50% · 4.625%
HK$15,494
+HK$888/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,212/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,290
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,700
−HK$416/mo
Today · 4.125%
HK$16,116
baseline
▲ 0.50% · 4.625%
HK$16,965
+HK$849/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,232/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,670
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,220
−HK$559/mo
Today · 4.125%
HK$18,779
baseline
▲ 0.50% · 4.625%
HK$19,921
+HK$1,142/mo
Deposit HK$431K · loan HK$3.87M · min. income ≈ HK$37,558/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,658
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,185
−HK$535/mo
Today · 4.125%
HK$20,720
baseline
▲ 0.50% · 4.625%
HK$21,812
+HK$1,092/mo
Deposit HK$431K · loan HK$3.87M · min. income ≈ HK$41,440/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,137 · 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).