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$9,741
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,044
−HK$308/mo
Today · 4.125%
HK$10,352
baseline
▲ 0.50% · 4.625%
HK$10,982
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,704/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,837
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,127
−HK$295/mo
Today · 4.125%
HK$11,422
baseline
▲ 0.50% · 4.625%
HK$12,024
+HK$602/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,844/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,689
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,053
−HK$369/mo
Today · 4.125%
HK$12,422
baseline
▲ 0.50% · 4.625%
HK$13,178
+HK$756/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,844/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,004
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,353
−HK$353/mo
Today · 4.125%
HK$13,706
baseline
▲ 0.50% · 4.625%
HK$14,429
+HK$723/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,412/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,637
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,061
−HK$431/mo
Today · 4.125%
HK$14,492
baseline
▲ 0.50% · 4.625%
HK$15,374
+HK$882/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,984/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,171
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,578
−HK$413/mo
Today · 4.125%
HK$15,991
baseline
▲ 0.50% · 4.625%
HK$16,834
+HK$843/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,982/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,533
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,079
−HK$554/mo
Today · 4.125%
HK$18,633
baseline
▲ 0.50% · 4.625%
HK$19,767
+HK$1,134/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,266/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,506
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,029
−HK$531/mo
Today · 4.125%
HK$20,560
baseline
▲ 0.50% · 4.625%
HK$21,643
+HK$1,083/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,120/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,460 · 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).