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$9,726
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,028
−HK$308/mo
Today · 4.125%
HK$10,336
baseline
▲ 0.50% · 4.625%
HK$10,965
+HK$629/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,672/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,820
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,110
−HK$295/mo
Today · 4.125%
HK$11,405
baseline
▲ 0.50% · 4.625%
HK$12,006
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,810/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,671
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,034
−HK$369/mo
Today · 4.125%
HK$12,403
baseline
▲ 0.50% · 4.625%
HK$13,158
+HK$755/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,806/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,984
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,332
−HK$353/mo
Today · 4.125%
HK$13,685
baseline
▲ 0.50% · 4.625%
HK$14,407
+HK$722/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,370/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,616
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,040
−HK$430/mo
Today · 4.125%
HK$14,470
baseline
▲ 0.50% · 4.625%
HK$15,351
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,940/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,148
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,554
−HK$412/mo
Today · 4.125%
HK$15,966
baseline
▲ 0.50% · 4.625%
HK$16,808
+HK$842/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,932/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,507
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,051
−HK$553/mo
Today · 4.125%
HK$18,604
baseline
▲ 0.50% · 4.625%
HK$19,737
+HK$1,133/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,208/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,476
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,998
−HK$530/mo
Today · 4.125%
HK$20,528
baseline
▲ 0.50% · 4.625%
HK$21,610
+HK$1,082/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,056/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,156 · 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).