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$9,820
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,125
−HK$311/mo
Today · 4.125%
HK$10,436
baseline
▲ 0.50% · 4.625%
HK$11,071
+HK$635/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,872/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$61,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,925
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,218
−HK$297/mo
Today · 4.125%
HK$11,515
baseline
▲ 0.50% · 4.625%
HK$12,122
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,030/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$61,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,784
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,151
−HK$372/mo
Today · 4.125%
HK$12,523
baseline
▲ 0.50% · 4.625%
HK$13,285
+HK$762/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,046/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,110
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,461
−HK$357/mo
Today · 4.125%
HK$13,818
baseline
▲ 0.50% · 4.625%
HK$14,546
+HK$728/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,636/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,748
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,176
−HK$434/mo
Today · 4.125%
HK$14,610
baseline
▲ 0.50% · 4.625%
HK$15,499
+HK$889/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,220/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,295
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,705
−HK$416/mo
Today · 4.125%
HK$16,121
baseline
▲ 0.50% · 4.625%
HK$16,971
+HK$850/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,242/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,676
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,226
−HK$558/mo
Today · 4.125%
HK$18,784
baseline
▲ 0.50% · 4.625%
HK$19,927
+HK$1,143/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,568/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,664
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,192
−HK$535/mo
Today · 4.125%
HK$20,727
baseline
▲ 0.50% · 4.625%
HK$21,819
+HK$1,092/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,454/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,408 · 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).