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$9,826
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,132
−HK$310/mo
Today · 4.125%
HK$10,442
baseline
▲ 0.50% · 4.625%
HK$11,078
+HK$636/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$61,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,931
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,225
−HK$297/mo
Today · 4.125%
HK$11,522
baseline
▲ 0.50% · 4.625%
HK$12,129
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,044/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$61,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,791
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,158
−HK$373/mo
Today · 4.125%
HK$12,531
baseline
▲ 0.50% · 4.625%
HK$13,293
+HK$762/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$25,062/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$61,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,118
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,469
−HK$357/mo
Today · 4.125%
HK$13,826
baseline
▲ 0.50% · 4.625%
HK$14,555
+HK$729/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$61,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,756
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,184
−HK$435/mo
Today · 4.125%
HK$14,619
baseline
▲ 0.50% · 4.625%
HK$15,509
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,238/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,304
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,714
−HK$417/mo
Today · 4.125%
HK$16,131
baseline
▲ 0.50% · 4.625%
HK$16,981
+HK$850/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,262/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,687
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,237
−HK$559/mo
Today · 4.125%
HK$18,796
baseline
▲ 0.50% · 4.625%
HK$19,940
+HK$1,144/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,592/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$61,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,677
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,204
−HK$536/mo
Today · 4.125%
HK$20,740
baseline
▲ 0.50% · 4.625%
HK$21,833
+HK$1,093/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,480/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$61,939 · 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).