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$9,746
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,049
−HK$308/mo
Today · 4.125%
HK$10,357
baseline
▲ 0.50% · 4.625%
HK$10,988
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,714/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,843
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,133
−HK$295/mo
Today · 4.125%
HK$11,428
baseline
▲ 0.50% · 4.625%
HK$12,031
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,856/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,695
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,059
−HK$370/mo
Today · 4.125%
HK$12,429
baseline
▲ 0.50% · 4.625%
HK$13,185
+HK$756/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,858/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,011
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,360
−HK$354/mo
Today · 4.125%
HK$13,714
baseline
▲ 0.50% · 4.625%
HK$14,437
+HK$723/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,428/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,645
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,069
−HK$431/mo
Today · 4.125%
HK$14,500
baseline
▲ 0.50% · 4.625%
HK$15,383
+HK$883/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$29,000/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,180
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,587
−HK$413/mo
Today · 4.125%
HK$16,000
baseline
▲ 0.50% · 4.625%
HK$16,843
+HK$843/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$32,000/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,543
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,089
−HK$554/mo
Today · 4.125%
HK$18,643
baseline
▲ 0.50% · 4.625%
HK$19,778
+HK$1,135/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$37,286/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,517
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,040
−HK$531/mo
Today · 4.125%
HK$20,571
baseline
▲ 0.50% · 4.625%
HK$21,655
+HK$1,084/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$41,142/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,933 · 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).