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$9,824
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,130
−HK$310/mo
Today · 4.125%
HK$10,440
baseline
▲ 0.50% · 4.625%
HK$11,075
+HK$635/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,880/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$61,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,929
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,222
−HK$298/mo
Today · 4.125%
HK$11,520
baseline
▲ 0.50% · 4.625%
HK$12,127
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,040/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$61,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,789
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,156
−HK$372/mo
Today · 4.125%
HK$12,528
baseline
▲ 0.50% · 4.625%
HK$13,290
+HK$762/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,056/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$61,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,115
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,467
−HK$357/mo
Today · 4.125%
HK$13,824
baseline
▲ 0.50% · 4.625%
HK$14,552
+HK$728/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,648/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$61,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,754
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,182
−HK$434/mo
Today · 4.125%
HK$14,616
baseline
▲ 0.50% · 4.625%
HK$15,506
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,232/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,301
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,711
−HK$417/mo
Today · 4.125%
HK$16,128
baseline
▲ 0.50% · 4.625%
HK$16,978
+HK$850/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,256/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,683
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,233
−HK$559/mo
Today · 4.125%
HK$18,792
baseline
▲ 0.50% · 4.625%
HK$19,936
+HK$1,144/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,584/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$61,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,673
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,200
−HK$535/mo
Today · 4.125%
HK$20,735
baseline
▲ 0.50% · 4.625%
HK$21,828
+HK$1,093/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,470/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$61,764 · 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).