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$9,807
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,112
−HK$310/mo
Today · 4.125%
HK$10,422
baseline
▲ 0.50% · 4.625%
HK$11,056
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,844/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,910
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,203
−HK$297/mo
Today · 4.125%
HK$11,500
baseline
▲ 0.50% · 4.625%
HK$12,106
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,000/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,769
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,135
−HK$372/mo
Today · 4.125%
HK$12,507
baseline
▲ 0.50% · 4.625%
HK$13,268
+HK$761/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,014/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,093
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,444
−HK$356/mo
Today · 4.125%
HK$13,800
baseline
▲ 0.50% · 4.625%
HK$14,527
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,600/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,730
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,157
−HK$434/mo
Today · 4.125%
HK$14,591
baseline
▲ 0.50% · 4.625%
HK$15,479
+HK$888/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,182/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,275
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,684
−HK$416/mo
Today · 4.125%
HK$16,100
baseline
▲ 0.50% · 4.625%
HK$16,949
+HK$849/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,200/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,653
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,202
−HK$558/mo
Today · 4.125%
HK$18,760
baseline
▲ 0.50% · 4.625%
HK$19,902
+HK$1,142/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,520/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$60,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,639
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,166
−HK$534/mo
Today · 4.125%
HK$20,700
baseline
▲ 0.50% · 4.625%
HK$21,791
+HK$1,091/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,400/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$60,287 · 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).