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$9,739
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,042
−HK$308/mo
Today · 4.125%
HK$10,350
baseline
▲ 0.50% · 4.625%
HK$10,980
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,700/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,835
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,126
−HK$294/mo
Today · 4.125%
HK$11,420
baseline
▲ 0.50% · 4.625%
HK$12,022
+HK$602/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,840/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,687
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,051
−HK$369/mo
Today · 4.125%
HK$12,420
baseline
▲ 0.50% · 4.625%
HK$13,176
+HK$756/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,840/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,002
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,351
−HK$353/mo
Today · 4.125%
HK$13,704
baseline
▲ 0.50% · 4.625%
HK$14,427
+HK$723/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,408/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,635
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,059
−HK$431/mo
Today · 4.125%
HK$14,490
baseline
▲ 0.50% · 4.625%
HK$15,372
+HK$882/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,980/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,169
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,576
−HK$412/mo
Today · 4.125%
HK$15,988
baseline
▲ 0.50% · 4.625%
HK$16,831
+HK$843/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,976/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,531
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,076
−HK$554/mo
Today · 4.125%
HK$18,630
baseline
▲ 0.50% · 4.625%
HK$19,764
+HK$1,134/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,260/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$54,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,503
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,026
−HK$531/mo
Today · 4.125%
HK$20,557
baseline
▲ 0.50% · 4.625%
HK$21,640
+HK$1,083/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,114/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$54,337 · 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).