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$9,754
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,058
−HK$308/mo
Today · 4.125%
HK$10,366
baseline
▲ 0.50% · 4.625%
HK$10,997
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,732/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,852
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,143
−HK$295/mo
Today · 4.125%
HK$11,438
baseline
▲ 0.50% · 4.625%
HK$12,041
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,876/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,705
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,069
−HK$370/mo
Today · 4.125%
HK$12,439
baseline
▲ 0.50% · 4.625%
HK$13,196
+HK$757/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,878/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,022
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,371
−HK$355/mo
Today · 4.125%
HK$13,726
baseline
▲ 0.50% · 4.625%
HK$14,449
+HK$723/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,452/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,656
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,081
−HK$432/mo
Today · 4.125%
HK$14,513
baseline
▲ 0.50% · 4.625%
HK$15,396
+HK$883/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$29,026/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,192
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,600
−HK$413/mo
Today · 4.125%
HK$16,013
baseline
▲ 0.50% · 4.625%
HK$16,857
+HK$844/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$32,026/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,558
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,104
−HK$555/mo
Today · 4.125%
HK$18,659
baseline
▲ 0.50% · 4.625%
HK$19,794
+HK$1,135/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,318/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,533
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,057
−HK$531/mo
Today · 4.125%
HK$20,588
baseline
▲ 0.50% · 4.625%
HK$21,674
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,176/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,656 · 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).