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$9,795
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,099
−HK$310/mo
Today · 4.125%
HK$10,409
baseline
▲ 0.50% · 4.625%
HK$11,042
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,818/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,897
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,189
−HK$296/mo
Today · 4.125%
HK$11,485
baseline
▲ 0.50% · 4.625%
HK$12,091
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,970/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,754
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,119
−HK$372/mo
Today · 4.125%
HK$12,491
baseline
▲ 0.50% · 4.625%
HK$13,251
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,982/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,076
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,427
−HK$355/mo
Today · 4.125%
HK$13,782
baseline
▲ 0.50% · 4.625%
HK$14,509
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,564/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,713
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,139
−HK$434/mo
Today · 4.125%
HK$14,573
baseline
▲ 0.50% · 4.625%
HK$15,459
+HK$886/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,146/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,255
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,664
−HK$415/mo
Today · 4.125%
HK$16,079
baseline
▲ 0.50% · 4.625%
HK$16,927
+HK$848/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,158/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,631
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,179
−HK$557/mo
Today · 4.125%
HK$18,736
baseline
▲ 0.50% · 4.625%
HK$19,876
+HK$1,140/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,472/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,614
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,140
−HK$534/mo
Today · 4.125%
HK$20,674
baseline
▲ 0.50% · 4.625%
HK$21,763
+HK$1,089/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,348/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,193 · 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).