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$9,825
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,131
−HK$311/mo
Today · 4.125%
HK$10,442
baseline
▲ 0.50% · 4.625%
HK$11,077
+HK$635/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,884/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$61,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,931
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,224
−HK$297/mo
Today · 4.125%
HK$11,521
baseline
▲ 0.50% · 4.625%
HK$12,129
+HK$608/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,042/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$61,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,791
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,157
−HK$373/mo
Today · 4.125%
HK$12,530
baseline
▲ 0.50% · 4.625%
HK$13,292
+HK$762/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$25,060/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$61,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,117
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,469
−HK$357/mo
Today · 4.125%
HK$13,826
baseline
▲ 0.50% · 4.625%
HK$14,554
+HK$728/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$27,652/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$61,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,756
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,184
−HK$434/mo
Today · 4.125%
HK$14,618
baseline
▲ 0.50% · 4.625%
HK$15,508
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,236/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,303
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,713
−HK$417/mo
Today · 4.125%
HK$16,130
baseline
▲ 0.50% · 4.625%
HK$16,980
+HK$850/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,260/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,686
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,236
−HK$559/mo
Today · 4.125%
HK$18,795
baseline
▲ 0.50% · 4.625%
HK$19,939
+HK$1,144/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,590/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$61,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,675
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,203
−HK$535/mo
Today · 4.125%
HK$20,738
baseline
▲ 0.50% · 4.625%
HK$21,832
+HK$1,094/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,476/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$61,889 · 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).