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$9,801
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,106
−HK$310/mo
Today · 4.125%
HK$10,416
baseline
▲ 0.50% · 4.625%
HK$11,050
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,832/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,904
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,196
−HK$297/mo
Today · 4.125%
HK$11,493
baseline
▲ 0.50% · 4.625%
HK$12,099
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,986/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,762
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,128
−HK$371/mo
Today · 4.125%
HK$12,499
baseline
▲ 0.50% · 4.625%
HK$13,260
+HK$761/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,998/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,085
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,436
−HK$356/mo
Today · 4.125%
HK$13,792
baseline
▲ 0.50% · 4.625%
HK$14,519
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,584/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,722
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,149
−HK$433/mo
Today · 4.125%
HK$14,582
baseline
▲ 0.50% · 4.625%
HK$15,470
+HK$888/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,164/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,266
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,675
−HK$415/mo
Today · 4.125%
HK$16,090
baseline
▲ 0.50% · 4.625%
HK$16,938
+HK$848/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,180/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,642
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,191
−HK$558/mo
Today · 4.125%
HK$18,749
baseline
▲ 0.50% · 4.625%
HK$19,890
+HK$1,141/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,498/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$59,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,627
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,153
−HK$534/mo
Today · 4.125%
HK$20,687
baseline
▲ 0.50% · 4.625%
HK$21,778
+HK$1,091/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,374/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$59,774 · 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).