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$9,751
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,055
−HK$308/mo
Today · 4.125%
HK$10,363
baseline
▲ 0.50% · 4.625%
HK$10,993
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,726/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,848
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,139
−HK$295/mo
Today · 4.125%
HK$11,434
baseline
▲ 0.50% · 4.625%
HK$12,037
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,868/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,702
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,066
−HK$369/mo
Today · 4.125%
HK$12,435
baseline
▲ 0.50% · 4.625%
HK$13,192
+HK$757/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,870/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,018
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,367
−HK$354/mo
Today · 4.125%
HK$13,721
baseline
▲ 0.50% · 4.625%
HK$14,444
+HK$723/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,442/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,652
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,076
−HK$432/mo
Today · 4.125%
HK$14,508
baseline
▲ 0.50% · 4.625%
HK$15,391
+HK$883/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$29,016/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,188
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,595
−HK$413/mo
Today · 4.125%
HK$16,008
baseline
▲ 0.50% · 4.625%
HK$16,852
+HK$844/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$32,016/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,552
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,098
−HK$555/mo
Today · 4.125%
HK$18,653
baseline
▲ 0.50% · 4.625%
HK$19,788
+HK$1,135/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,306/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,527
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,050
−HK$532/mo
Today · 4.125%
HK$20,582
baseline
▲ 0.50% · 4.625%
HK$21,667
+HK$1,085/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,164/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,381 · 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).