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$9,740
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,043
−HK$307/mo
Today · 4.125%
HK$10,350
baseline
▲ 0.50% · 4.625%
HK$10,980
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,700/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,835
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,126
−HK$295/mo
Today · 4.125%
HK$11,421
baseline
▲ 0.50% · 4.625%
HK$12,023
+HK$602/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,842/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,688
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,051
−HK$369/mo
Today · 4.125%
HK$12,420
baseline
▲ 0.50% · 4.625%
HK$13,176
+HK$756/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,840/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,002
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,351
−HK$354/mo
Today · 4.125%
HK$13,705
baseline
▲ 0.50% · 4.625%
HK$14,427
+HK$722/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,410/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,635
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,060
−HK$431/mo
Today · 4.125%
HK$14,491
baseline
▲ 0.50% · 4.625%
HK$15,372
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,982/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,169
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,576
−HK$413/mo
Today · 4.125%
HK$15,989
baseline
▲ 0.50% · 4.625%
HK$16,832
+HK$843/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,978/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,531
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,077
−HK$554/mo
Today · 4.125%
HK$18,631
baseline
▲ 0.50% · 4.625%
HK$19,764
+HK$1,133/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,262/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$54,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,503
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,026
−HK$531/mo
Today · 4.125%
HK$20,557
baseline
▲ 0.50% · 4.625%
HK$21,641
+HK$1,084/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,114/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$54,357 · 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).