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$9,728
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,031
−HK$307/mo
Today · 4.125%
HK$10,338
baseline
▲ 0.50% · 4.625%
HK$10,967
+HK$629/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,676/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,822
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,113
−HK$294/mo
Today · 4.125%
HK$11,407
baseline
▲ 0.50% · 4.625%
HK$12,008
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,814/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,674
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,037
−HK$369/mo
Today · 4.125%
HK$12,406
baseline
▲ 0.50% · 4.625%
HK$13,161
+HK$755/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,812/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,987
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,335
−HK$354/mo
Today · 4.125%
HK$13,689
baseline
▲ 0.50% · 4.625%
HK$14,410
+HK$721/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,378/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,619
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,043
−HK$430/mo
Today · 4.125%
HK$14,473
baseline
▲ 0.50% · 4.625%
HK$15,354
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,946/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,151
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,558
−HK$412/mo
Today · 4.125%
HK$15,970
baseline
▲ 0.50% · 4.625%
HK$16,812
+HK$842/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,940/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,511
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,055
−HK$554/mo
Today · 4.125%
HK$18,609
baseline
▲ 0.50% · 4.625%
HK$19,741
+HK$1,132/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,218/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,480
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,003
−HK$530/mo
Today · 4.125%
HK$20,533
baseline
▲ 0.50% · 4.625%
HK$21,615
+HK$1,082/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,066/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,350 · 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).