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$612/mo
▼ 0.25% · 3.875%
HK$10,050
−HK$308/mo
Today · 4.125%
HK$10,358
baseline
▲ 0.50% · 4.625%
HK$10,988
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,716/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,843
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,134
−HK$295/mo
Today · 4.125%
HK$11,429
baseline
▲ 0.50% · 4.625%
HK$12,031
+HK$602/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,858/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,696
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,060
−HK$369/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$54,958 · 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$54,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,645
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,070
−HK$431/mo
Today · 4.125%
HK$14,501
baseline
▲ 0.50% · 4.625%
HK$15,383
+HK$882/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$29,002/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,958 · 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$16,844
+HK$844/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$54,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,544
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,089
−HK$555/mo
Today · 4.125%
HK$18,644
baseline
▲ 0.50% · 4.625%
HK$19,778
+HK$1,134/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$37,288/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,517
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,041
−HK$531/mo
Today · 4.125%
HK$20,572
baseline
▲ 0.50% · 4.625%
HK$21,656
+HK$1,084/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$41,144/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,958 · 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).