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$9,754
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,057
−HK$308/mo
Today · 4.125%
HK$10,365
baseline
▲ 0.50% · 4.625%
HK$10,996
+HK$631/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$55,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,851
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,142
−HK$295/mo
Today · 4.125%
HK$11,437
baseline
▲ 0.50% · 4.625%
HK$12,040
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,874/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,576 · 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$13,195
+HK$757/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$55,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,021
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,370
−HK$354/mo
Today · 4.125%
HK$13,724
baseline
▲ 0.50% · 4.625%
HK$14,448
+HK$724/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$55,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,655
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,080
−HK$431/mo
Today · 4.125%
HK$14,511
baseline
▲ 0.50% · 4.625%
HK$15,394
+HK$883/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$29,022/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,191
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,598
−HK$414/mo
Today · 4.125%
HK$16,012
baseline
▲ 0.50% · 4.625%
HK$16,856
+HK$844/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$32,024/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,556
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,102
−HK$555/mo
Today · 4.125%
HK$18,657
baseline
▲ 0.50% · 4.625%
HK$19,793
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,314/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,531
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,055
−HK$531/mo
Today · 4.125%
HK$20,586
baseline
▲ 0.50% · 4.625%
HK$21,672
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,172/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,576 · 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).