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$9,810
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,115
−HK$310/mo
Today · 4.125%
HK$10,425
baseline
▲ 0.50% · 4.625%
HK$11,060
+HK$635/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,850/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,914
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,206
−HK$297/mo
Today · 4.125%
HK$11,503
baseline
▲ 0.50% · 4.625%
HK$12,110
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,006/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,772
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,138
−HK$372/mo
Today · 4.125%
HK$12,510
baseline
▲ 0.50% · 4.625%
HK$13,272
+HK$762/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,020/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,097
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,448
−HK$356/mo
Today · 4.125%
HK$13,804
baseline
▲ 0.50% · 4.625%
HK$14,532
+HK$728/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,608/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,734
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,162
−HK$434/mo
Today · 4.125%
HK$14,596
baseline
▲ 0.50% · 4.625%
HK$15,484
+HK$888/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,192/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,279
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,689
−HK$416/mo
Today · 4.125%
HK$16,105
baseline
▲ 0.50% · 4.625%
HK$16,954
+HK$849/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,210/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,658
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,208
−HK$558/mo
Today · 4.125%
HK$18,766
baseline
▲ 0.50% · 4.625%
HK$19,908
+HK$1,142/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,532/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$60,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,645
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,172
−HK$534/mo
Today · 4.125%
HK$20,706
baseline
▲ 0.50% · 4.625%
HK$21,798
+HK$1,092/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,412/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$60,549 · 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).