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$9,803
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,108
−HK$310/mo
Today · 4.125%
HK$10,418
baseline
▲ 0.50% · 4.625%
HK$11,052
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,836/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,906
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,199
−HK$296/mo
Today · 4.125%
HK$11,495
baseline
▲ 0.50% · 4.625%
HK$12,101
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,990/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,764
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,130
−HK$372/mo
Today · 4.125%
HK$12,502
baseline
▲ 0.50% · 4.625%
HK$13,262
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,004/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,087
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,438
−HK$356/mo
Today · 4.125%
HK$13,794
baseline
▲ 0.50% · 4.625%
HK$14,521
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,588/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,725
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,152
−HK$433/mo
Today · 4.125%
HK$14,585
baseline
▲ 0.50% · 4.625%
HK$15,473
+HK$888/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,170/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,269
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,678
−HK$415/mo
Today · 4.125%
HK$16,093
baseline
▲ 0.50% · 4.625%
HK$16,942
+HK$849/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,186/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,646
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,195
−HK$558/mo
Today · 4.125%
HK$18,753
baseline
▲ 0.50% · 4.625%
HK$19,894
+HK$1,141/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,506/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$59,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,631
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,157
−HK$535/mo
Today · 4.125%
HK$20,692
baseline
▲ 0.50% · 4.625%
HK$21,782
+HK$1,090/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,384/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$59,944 · 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).