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$9,749
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,053
−HK$308/mo
Today · 4.125%
HK$10,361
baseline
▲ 0.50% · 4.625%
HK$10,991
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,722/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,846
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,137
−HK$295/mo
Today · 4.125%
HK$11,432
baseline
▲ 0.50% · 4.625%
HK$12,035
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,864/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,699
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,063
−HK$370/mo
Today · 4.125%
HK$12,433
baseline
▲ 0.50% · 4.625%
HK$13,189
+HK$756/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,866/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,015
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,364
−HK$354/mo
Today · 4.125%
HK$13,718
baseline
▲ 0.50% · 4.625%
HK$14,442
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,436/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,649
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,074
−HK$431/mo
Today · 4.125%
HK$14,505
baseline
▲ 0.50% · 4.625%
HK$15,388
+HK$883/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$29,010/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,185
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,592
−HK$413/mo
Today · 4.125%
HK$16,005
baseline
▲ 0.50% · 4.625%
HK$16,849
+HK$844/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$32,010/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,549
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,095
−HK$554/mo
Today · 4.125%
HK$18,649
baseline
▲ 0.50% · 4.625%
HK$19,784
+HK$1,135/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,298/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,523
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,047
−HK$531/mo
Today · 4.125%
HK$20,578
baseline
▲ 0.50% · 4.625%
HK$21,662
+HK$1,084/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,156/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,212 · 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).