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$9,724
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,026
−HK$308/mo
Today · 4.125%
HK$10,334
baseline
▲ 0.50% · 4.625%
HK$10,962
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,668/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$52,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,818
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,108
−HK$294/mo
Today · 4.125%
HK$11,402
baseline
▲ 0.50% · 4.625%
HK$12,003
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,804/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$52,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,669
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,032
−HK$368/mo
Today · 4.125%
HK$12,400
baseline
▲ 0.50% · 4.625%
HK$13,155
+HK$755/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,800/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,981
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,329
−HK$354/mo
Today · 4.125%
HK$13,683
baseline
▲ 0.50% · 4.625%
HK$14,404
+HK$721/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,366/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,613
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,037
−HK$430/mo
Today · 4.125%
HK$14,467
baseline
▲ 0.50% · 4.625%
HK$15,347
+HK$880/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,934/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,145
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,551
−HK$412/mo
Today · 4.125%
HK$15,963
baseline
▲ 0.50% · 4.625%
HK$16,804
+HK$841/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,926/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,503
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,047
−HK$554/mo
Today · 4.125%
HK$18,601
baseline
▲ 0.50% · 4.625%
HK$19,732
+HK$1,131/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$37,202/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$52,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,472
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,994
−HK$530/mo
Today · 4.125%
HK$20,524
baseline
▲ 0.50% · 4.625%
HK$21,606
+HK$1,082/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$41,048/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$52,975 · 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).