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$9,749
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,052
−HK$308/mo
Today · 4.125%
HK$10,360
baseline
▲ 0.50% · 4.625%
HK$10,991
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,720/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,846
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,136
−HK$296/mo
Today · 4.125%
HK$11,432
baseline
▲ 0.50% · 4.625%
HK$12,034
+HK$602/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,864/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,699
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,063
−HK$369/mo
Today · 4.125%
HK$12,432
baseline
▲ 0.50% · 4.625%
HK$13,189
+HK$757/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,864/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,015
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,364
−HK$354/mo
Today · 4.125%
HK$13,718
baseline
▲ 0.50% · 4.625%
HK$14,441
+HK$723/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,436/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,649
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,073
−HK$431/mo
Today · 4.125%
HK$14,504
baseline
▲ 0.50% · 4.625%
HK$15,387
+HK$883/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$29,008/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,184
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,591
−HK$413/mo
Today · 4.125%
HK$16,004
baseline
▲ 0.50% · 4.625%
HK$16,848
+HK$844/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$32,008/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,548
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,094
−HK$555/mo
Today · 4.125%
HK$18,649
baseline
▲ 0.50% · 4.625%
HK$19,783
+HK$1,134/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,298/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,522
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,046
−HK$531/mo
Today · 4.125%
HK$20,577
baseline
▲ 0.50% · 4.625%
HK$21,661
+HK$1,084/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,154/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,175 · 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).