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$9,733
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,035
−HK$308/mo
Today · 4.125%
HK$10,343
baseline
▲ 0.50% · 4.625%
HK$10,972
+HK$629/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,686/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,827
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,118
−HK$294/mo
Today · 4.125%
HK$11,412
baseline
▲ 0.50% · 4.625%
HK$12,014
+HK$602/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,824/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,679
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,042
−HK$370/mo
Today · 4.125%
HK$12,412
baseline
▲ 0.50% · 4.625%
HK$13,167
+HK$755/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,824/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,993
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,341
−HK$354/mo
Today · 4.125%
HK$13,695
baseline
▲ 0.50% · 4.625%
HK$14,417
+HK$722/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,390/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,626
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,049
−HK$431/mo
Today · 4.125%
HK$14,480
baseline
▲ 0.50% · 4.625%
HK$15,361
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,960/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,158
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,565
−HK$412/mo
Today · 4.125%
HK$15,977
baseline
▲ 0.50% · 4.625%
HK$16,820
+HK$843/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,954/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,519
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,064
−HK$553/mo
Today · 4.125%
HK$18,617
baseline
▲ 0.50% · 4.625%
HK$19,750
+HK$1,133/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,234/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$53,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,489
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,012
−HK$530/mo
Today · 4.125%
HK$20,542
baseline
▲ 0.50% · 4.625%
HK$21,625
+HK$1,083/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,084/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$53,741 · 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).