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$9,745
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,048
−HK$308/mo
Today · 4.125%
HK$10,356
baseline
▲ 0.50% · 4.625%
HK$10,987
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,712/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,842
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,132
−HK$295/mo
Today · 4.125%
HK$11,427
baseline
▲ 0.50% · 4.625%
HK$12,030
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,854/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,694
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,058
−HK$370/mo
Today · 4.125%
HK$12,428
baseline
▲ 0.50% · 4.625%
HK$13,184
+HK$756/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,856/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,010
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,359
−HK$354/mo
Today · 4.125%
HK$13,713
baseline
▲ 0.50% · 4.625%
HK$14,436
+HK$723/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,426/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,643
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,068
−HK$431/mo
Today · 4.125%
HK$14,499
baseline
▲ 0.50% · 4.625%
HK$15,381
+HK$882/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,998/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,178
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,585
−HK$413/mo
Today · 4.125%
HK$15,998
baseline
▲ 0.50% · 4.625%
HK$16,842
+HK$844/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,996/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,542
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,087
−HK$555/mo
Today · 4.125%
HK$18,642
baseline
▲ 0.50% · 4.625%
HK$19,776
+HK$1,134/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$37,284/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,515
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,038
−HK$531/mo
Today · 4.125%
HK$20,569
baseline
▲ 0.50% · 4.625%
HK$21,653
+HK$1,084/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$41,138/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,858 · 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).