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$9,729
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,031
−HK$308/mo
Today · 4.125%
HK$10,339
baseline
▲ 0.50% · 4.625%
HK$10,968
+HK$629/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,678/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,823
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,113
−HK$295/mo
Today · 4.125%
HK$11,408
baseline
▲ 0.50% · 4.625%
HK$12,009
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,816/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,674
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,038
−HK$369/mo
Today · 4.125%
HK$12,407
baseline
▲ 0.50% · 4.625%
HK$13,161
+HK$754/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,814/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,988
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,336
−HK$353/mo
Today · 4.125%
HK$13,689
baseline
▲ 0.50% · 4.625%
HK$14,411
+HK$722/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,378/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,620
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,044
−HK$430/mo
Today · 4.125%
HK$14,474
baseline
▲ 0.50% · 4.625%
HK$15,355
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,948/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,152
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,559
−HK$412/mo
Today · 4.125%
HK$15,971
baseline
▲ 0.50% · 4.625%
HK$16,813
+HK$842/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,942/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,512
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,056
−HK$554/mo
Today · 4.125%
HK$18,610
baseline
▲ 0.50% · 4.625%
HK$19,742
+HK$1,132/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,220/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,482
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,004
−HK$530/mo
Today · 4.125%
HK$20,534
baseline
▲ 0.50% · 4.625%
HK$21,616
+HK$1,082/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,068/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,399 · 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).