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$9,744
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,047
−HK$308/mo
Today · 4.125%
HK$10,355
baseline
▲ 0.50% · 4.625%
HK$10,985
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,710/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,840
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,131
−HK$294/mo
Today · 4.125%
HK$11,425
baseline
▲ 0.50% · 4.625%
HK$12,028
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,850/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,693
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,056
−HK$370/mo
Today · 4.125%
HK$12,426
baseline
▲ 0.50% · 4.625%
HK$13,182
+HK$756/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,852/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,008
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,357
−HK$354/mo
Today · 4.125%
HK$13,711
baseline
▲ 0.50% · 4.625%
HK$14,433
+HK$722/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,422/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,641
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,066
−HK$431/mo
Today · 4.125%
HK$14,497
baseline
▲ 0.50% · 4.625%
HK$15,379
+HK$882/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,994/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,176
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,583
−HK$413/mo
Today · 4.125%
HK$15,996
baseline
▲ 0.50% · 4.625%
HK$16,839
+HK$843/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,992/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,539
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,084
−HK$555/mo
Today · 4.125%
HK$18,639
baseline
▲ 0.50% · 4.625%
HK$19,773
+HK$1,134/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$37,278/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,512
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,035
−HK$531/mo
Today · 4.125%
HK$20,566
baseline
▲ 0.50% · 4.625%
HK$21,650
+HK$1,084/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$41,132/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,721 · 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).