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$9,756
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,059
−HK$308/mo
Today · 4.125%
HK$10,367
baseline
▲ 0.50% · 4.625%
HK$10,998
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,734/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,853
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,144
−HK$295/mo
Today · 4.125%
HK$11,439
baseline
▲ 0.50% · 4.625%
HK$12,042
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,878/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,707
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,071
−HK$370/mo
Today · 4.125%
HK$12,441
baseline
▲ 0.50% · 4.625%
HK$13,198
+HK$757/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,882/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,024
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,373
−HK$354/mo
Today · 4.125%
HK$13,727
baseline
▲ 0.50% · 4.625%
HK$14,451
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,454/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,658
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,083
−HK$431/mo
Today · 4.125%
HK$14,514
baseline
▲ 0.50% · 4.625%
HK$15,398
+HK$884/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$29,028/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,194
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,602
−HK$413/mo
Today · 4.125%
HK$16,015
baseline
▲ 0.50% · 4.625%
HK$16,859
+HK$844/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$32,030/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,560
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,106
−HK$555/mo
Today · 4.125%
HK$18,661
baseline
▲ 0.50% · 4.625%
HK$19,797
+HK$1,136/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,322/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$55,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,536
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,060
−HK$531/mo
Today · 4.125%
HK$20,591
baseline
▲ 0.50% · 4.625%
HK$21,676
+HK$1,085/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,182/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$55,767 · 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).