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$9,739
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,041
−HK$308/mo
Today · 4.125%
HK$10,349
baseline
▲ 0.50% · 4.625%
HK$10,979
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,698/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,834
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,125
−HK$294/mo
Today · 4.125%
HK$11,419
baseline
▲ 0.50% · 4.625%
HK$12,021
+HK$602/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,838/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,686
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,050
−HK$369/mo
Today · 4.125%
HK$12,419
baseline
▲ 0.50% · 4.625%
HK$13,175
+HK$756/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,838/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,001
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,350
−HK$353/mo
Today · 4.125%
HK$13,703
baseline
▲ 0.50% · 4.625%
HK$14,426
+HK$723/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,406/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,634
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,058
−HK$431/mo
Today · 4.125%
HK$14,489
baseline
▲ 0.50% · 4.625%
HK$15,371
+HK$882/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,978/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,168
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,574
−HK$413/mo
Today · 4.125%
HK$15,987
baseline
▲ 0.50% · 4.625%
HK$16,830
+HK$843/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,974/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,529
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,075
−HK$554/mo
Today · 4.125%
HK$18,629
baseline
▲ 0.50% · 4.625%
HK$19,762
+HK$1,133/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,258/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$54,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,501
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,024
−HK$531/mo
Today · 4.125%
HK$20,555
baseline
▲ 0.50% · 4.625%
HK$21,638
+HK$1,083/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,110/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$54,264 · 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).