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$9,798
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,103
−HK$309/mo
Today · 4.125%
HK$10,412
baseline
▲ 0.50% · 4.625%
HK$11,046
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,824/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,900
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,192
−HK$297/mo
Today · 4.125%
HK$11,489
baseline
▲ 0.50% · 4.625%
HK$12,094
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,978/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,757
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,123
−HK$372/mo
Today · 4.125%
HK$12,495
baseline
▲ 0.50% · 4.625%
HK$13,255
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,990/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,080
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,431
−HK$356/mo
Today · 4.125%
HK$13,787
baseline
▲ 0.50% · 4.625%
HK$14,513
+HK$726/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,574/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,717
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,144
−HK$433/mo
Today · 4.125%
HK$14,577
baseline
▲ 0.50% · 4.625%
HK$15,464
+HK$887/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,154/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,260
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,669
−HK$415/mo
Today · 4.125%
HK$16,084
baseline
▲ 0.50% · 4.625%
HK$16,932
+HK$848/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,168/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,636
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,185
−HK$557/mo
Today · 4.125%
HK$18,742
baseline
▲ 0.50% · 4.625%
HK$19,882
+HK$1,140/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,484/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,620
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,146
−HK$534/mo
Today · 4.125%
HK$20,680
baseline
▲ 0.50% · 4.625%
HK$21,770
+HK$1,090/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,360/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,456 · 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).