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$10,057
−HK$309/mo
Today · 4.125%
HK$10,366
baseline
▲ 0.50% · 4.625%
HK$10,996
+HK$630/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$55,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,851
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,142
−HK$295/mo
Today · 4.125%
HK$11,437
baseline
▲ 0.50% · 4.625%
HK$12,040
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,874/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,608 · 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$55,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,021
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,371
−HK$354/mo
Today · 4.125%
HK$13,725
baseline
▲ 0.50% · 4.625%
HK$14,448
+HK$723/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,450/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,655
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,080
−HK$432/mo
Today · 4.125%
HK$14,512
baseline
▲ 0.50% · 4.625%
HK$15,395
+HK$883/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$29,024/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,192
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,599
−HK$413/mo
Today · 4.125%
HK$16,012
baseline
▲ 0.50% · 4.625%
HK$16,856
+HK$844/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$32,024/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,557
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,103
−HK$555/mo
Today · 4.125%
HK$18,658
baseline
▲ 0.50% · 4.625%
HK$19,793
+HK$1,135/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,316/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,532
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,056
−HK$531/mo
Today · 4.125%
HK$20,587
baseline
▲ 0.50% · 4.625%
HK$21,672
+HK$1,085/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,174/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,608 · 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).