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$9,752
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,056
−HK$308/mo
Today · 4.125%
HK$10,364
baseline
▲ 0.50% · 4.625%
HK$10,995
+HK$631/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,728/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,849
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,140
−HK$296/mo
Today · 4.125%
HK$11,436
baseline
▲ 0.50% · 4.625%
HK$12,038
+HK$602/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$55,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,703
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,067
−HK$370/mo
Today · 4.125%
HK$12,437
baseline
▲ 0.50% · 4.625%
HK$13,194
+HK$757/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,874/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,019
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,369
−HK$354/mo
Today · 4.125%
HK$13,723
baseline
▲ 0.50% · 4.625%
HK$14,446
+HK$723/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,446/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,653
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,078
−HK$432/mo
Today · 4.125%
HK$14,510
baseline
▲ 0.50% · 4.625%
HK$15,392
+HK$882/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$55,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,189
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,597
−HK$413/mo
Today · 4.125%
HK$16,010
baseline
▲ 0.50% · 4.625%
HK$16,854
+HK$844/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$32,020/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,554
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,100
−HK$555/mo
Today · 4.125%
HK$18,655
baseline
▲ 0.50% · 4.625%
HK$19,790
+HK$1,135/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,310/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,529
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,053
−HK$531/mo
Today · 4.125%
HK$20,584
baseline
▲ 0.50% · 4.625%
HK$21,669
+HK$1,085/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,168/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,481 · 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).