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$54,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,840
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,131
−HK$295/mo
Today · 4.125%
HK$11,426
baseline
▲ 0.50% · 4.625%
HK$12,028
+HK$602/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,852/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,693
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,057
−HK$369/mo
Today · 4.125%
HK$12,426
baseline
▲ 0.50% · 4.625%
HK$13,183
+HK$757/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$54,765 · 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$14,434
+HK$723/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$54,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,642
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,066
−HK$431/mo
Today · 4.125%
HK$14,497
baseline
▲ 0.50% · 4.625%
HK$15,380
+HK$883/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$54,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,177
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,584
−HK$413/mo
Today · 4.125%
HK$15,997
baseline
▲ 0.50% · 4.625%
HK$16,840
+HK$843/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,994/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,540
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,085
−HK$555/mo
Today · 4.125%
HK$18,640
baseline
▲ 0.50% · 4.625%
HK$19,774
+HK$1,134/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$37,280/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,513
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,036
−HK$531/mo
Today · 4.125%
HK$20,567
baseline
▲ 0.50% · 4.625%
HK$21,651
+HK$1,084/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$41,134/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,765 · 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).