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$9,727
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,029
−HK$308/mo
Today · 4.125%
HK$10,337
baseline
▲ 0.50% · 4.625%
HK$10,966
+HK$629/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,674/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,821
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,111
−HK$295/mo
Today · 4.125%
HK$11,406
baseline
▲ 0.50% · 4.625%
HK$12,007
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,812/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,672
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,035
−HK$369/mo
Today · 4.125%
HK$12,404
baseline
▲ 0.50% · 4.625%
HK$13,159
+HK$755/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,808/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,985
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,333
−HK$354/mo
Today · 4.125%
HK$13,687
baseline
▲ 0.50% · 4.625%
HK$14,408
+HK$721/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,374/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,617
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,041
−HK$430/mo
Today · 4.125%
HK$14,471
baseline
▲ 0.50% · 4.625%
HK$15,352
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,942/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,149
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,556
−HK$412/mo
Today · 4.125%
HK$15,968
baseline
▲ 0.50% · 4.625%
HK$16,809
+HK$841/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,936/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,508
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,053
−HK$553/mo
Today · 4.125%
HK$18,606
baseline
▲ 0.50% · 4.625%
HK$19,738
+HK$1,132/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,212/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,478
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,000
−HK$530/mo
Today · 4.125%
HK$20,530
baseline
▲ 0.50% · 4.625%
HK$21,612
+HK$1,082/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,060/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,229 · 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).