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$9,752
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,055
−HK$309/mo
Today · 4.125%
HK$10,364
baseline
▲ 0.50% · 4.625%
HK$10,994
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,728/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,849
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,140
−HK$295/mo
Today · 4.125%
HK$11,435
baseline
▲ 0.50% · 4.625%
HK$12,038
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,870/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,702
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,066
−HK$370/mo
Today · 4.125%
HK$12,436
baseline
▲ 0.50% · 4.625%
HK$13,193
+HK$757/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,872/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,019
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,368
−HK$354/mo
Today · 4.125%
HK$13,722
baseline
▲ 0.50% · 4.625%
HK$14,446
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,444/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,653
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,077
−HK$432/mo
Today · 4.125%
HK$14,509
baseline
▲ 0.50% · 4.625%
HK$15,392
+HK$883/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$29,018/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,189
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,596
−HK$413/mo
Today · 4.125%
HK$16,009
baseline
▲ 0.50% · 4.625%
HK$16,853
+HK$844/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$32,018/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,554
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,100
−HK$554/mo
Today · 4.125%
HK$18,654
baseline
▲ 0.50% · 4.625%
HK$19,789
+HK$1,135/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,308/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,528
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,052
−HK$531/mo
Today · 4.125%
HK$20,583
baseline
▲ 0.50% · 4.625%
HK$21,668
+HK$1,085/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,166/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,444 · 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).