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$9,748
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,051
−HK$308/mo
Today · 4.125%
HK$10,359
baseline
▲ 0.50% · 4.625%
HK$10,989
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,718/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,844
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,135
−HK$295/mo
Today · 4.125%
HK$11,430
baseline
▲ 0.50% · 4.625%
HK$12,033
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,860/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,697
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,061
−HK$370/mo
Today · 4.125%
HK$12,431
baseline
▲ 0.50% · 4.625%
HK$13,187
+HK$756/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,862/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$55,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,013
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,362
−HK$354/mo
Today · 4.125%
HK$13,716
baseline
▲ 0.50% · 4.625%
HK$14,439
+HK$723/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,432/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$55,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,647
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,071
−HK$431/mo
Today · 4.125%
HK$14,502
baseline
▲ 0.50% · 4.625%
HK$15,385
+HK$883/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$29,004/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,182
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,589
−HK$413/mo
Today · 4.125%
HK$16,002
baseline
▲ 0.50% · 4.625%
HK$16,846
+HK$844/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$32,004/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,546
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,092
−HK$554/mo
Today · 4.125%
HK$18,646
baseline
▲ 0.50% · 4.625%
HK$19,781
+HK$1,135/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$37,292/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,520
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,043
−HK$531/mo
Today · 4.125%
HK$20,574
baseline
▲ 0.50% · 4.625%
HK$21,659
+HK$1,085/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$41,148/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,062 · 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).