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$9,808
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,113
−HK$310/mo
Today · 4.125%
HK$10,423
baseline
▲ 0.50% · 4.625%
HK$11,057
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,846/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,911
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,204
−HK$297/mo
Today · 4.125%
HK$11,501
baseline
▲ 0.50% · 4.625%
HK$12,107
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,002/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$60,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,770
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,136
−HK$372/mo
Today · 4.125%
HK$12,508
baseline
▲ 0.50% · 4.625%
HK$13,269
+HK$761/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,016/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,094
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,445
−HK$356/mo
Today · 4.125%
HK$13,801
baseline
▲ 0.50% · 4.625%
HK$14,528
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,602/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$60,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,731
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,158
−HK$434/mo
Today · 4.125%
HK$14,592
baseline
▲ 0.50% · 4.625%
HK$15,480
+HK$888/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,184/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,276
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,686
−HK$415/mo
Today · 4.125%
HK$16,101
baseline
▲ 0.50% · 4.625%
HK$16,950
+HK$849/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,202/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$60,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,654
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,204
−HK$557/mo
Today · 4.125%
HK$18,761
baseline
▲ 0.50% · 4.625%
HK$19,903
+HK$1,142/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,522/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$60,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,640
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,167
−HK$534/mo
Today · 4.125%
HK$20,701
baseline
▲ 0.50% · 4.625%
HK$21,793
+HK$1,092/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,402/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$60,354 · 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).