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$9,753
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,056
−HK$309/mo
Today · 4.125%
HK$10,365
baseline
▲ 0.50% · 4.625%
HK$10,995
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,730/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,850
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,141
−HK$295/mo
Today · 4.125%
HK$11,436
baseline
▲ 0.50% · 4.625%
HK$12,039
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,872/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,704
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,068
−HK$370/mo
Today · 4.125%
HK$12,438
baseline
▲ 0.50% · 4.625%
HK$13,194
+HK$756/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,876/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,020
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,369
−HK$355/mo
Today · 4.125%
HK$13,724
baseline
▲ 0.50% · 4.625%
HK$14,447
+HK$723/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,448/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,654
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,079
−HK$431/mo
Today · 4.125%
HK$14,510
baseline
▲ 0.50% · 4.625%
HK$15,393
+HK$883/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$29,020/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,190
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,598
−HK$413/mo
Today · 4.125%
HK$16,011
baseline
▲ 0.50% · 4.625%
HK$16,855
+HK$844/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$32,022/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,555
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,102
−HK$554/mo
Today · 4.125%
HK$18,656
baseline
▲ 0.50% · 4.625%
HK$19,792
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,312/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,530
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,054
−HK$531/mo
Today · 4.125%
HK$20,585
baseline
▲ 0.50% · 4.625%
HK$21,670
+HK$1,085/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,170/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,532 · 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).