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$9,737
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,040
−HK$308/mo
Today · 4.125%
HK$10,348
baseline
▲ 0.50% · 4.625%
HK$10,977
+HK$629/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,696/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,833
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,123
−HK$295/mo
Today · 4.125%
HK$11,418
baseline
▲ 0.50% · 4.625%
HK$12,020
+HK$602/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,836/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,685
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,048
−HK$369/mo
Today · 4.125%
HK$12,417
baseline
▲ 0.50% · 4.625%
HK$13,173
+HK$756/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,834/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,999
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,348
−HK$353/mo
Today · 4.125%
HK$13,701
baseline
▲ 0.50% · 4.625%
HK$14,424
+HK$723/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,402/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,632
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,056
−HK$431/mo
Today · 4.125%
HK$14,487
baseline
▲ 0.50% · 4.625%
HK$15,368
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,974/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,166
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,572
−HK$413/mo
Today · 4.125%
HK$15,985
baseline
▲ 0.50% · 4.625%
HK$16,827
+HK$842/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,970/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,527
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,072
−HK$554/mo
Today · 4.125%
HK$18,626
baseline
▲ 0.50% · 4.625%
HK$19,759
+HK$1,133/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,252/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$54,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,499
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,021
−HK$531/mo
Today · 4.125%
HK$20,552
baseline
▲ 0.50% · 4.625%
HK$21,635
+HK$1,083/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,104/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$54,142 · 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).