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$9,736
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,038
−HK$308/mo
Today · 4.125%
HK$10,346
baseline
▲ 0.50% · 4.625%
HK$10,976
+HK$630/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,692/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,831
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,121
−HK$295/mo
Today · 4.125%
HK$11,416
baseline
▲ 0.50% · 4.625%
HK$12,018
+HK$602/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,832/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,683
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,046
−HK$369/mo
Today · 4.125%
HK$12,415
baseline
▲ 0.50% · 4.625%
HK$13,171
+HK$756/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,830/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,997
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,345
−HK$354/mo
Today · 4.125%
HK$13,699
baseline
▲ 0.50% · 4.625%
HK$14,421
+HK$722/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,398/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,630
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,054
−HK$431/mo
Today · 4.125%
HK$14,485
baseline
▲ 0.50% · 4.625%
HK$15,366
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,970/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$54,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,163
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,570
−HK$412/mo
Today · 4.125%
HK$15,982
baseline
▲ 0.50% · 4.625%
HK$16,825
+HK$843/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,964/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$54,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,524
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,069
−HK$554/mo
Today · 4.125%
HK$18,623
baseline
▲ 0.50% · 4.625%
HK$19,756
+HK$1,133/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,246/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$54,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,495
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,018
−HK$531/mo
Today · 4.125%
HK$20,549
baseline
▲ 0.50% · 4.625%
HK$21,632
+HK$1,083/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,098/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$54,003 · 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).