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$9,755
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,058
−HK$309/mo
Today · 4.125%
HK$10,367
baseline
▲ 0.50% · 4.625%
HK$10,997
+HK$630/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$55,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,852
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,143
−HK$295/mo
Today · 4.125%
HK$11,438
baseline
▲ 0.50% · 4.625%
HK$12,041
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,876/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$55,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,706
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,070
−HK$370/mo
Today · 4.125%
HK$12,440
baseline
▲ 0.50% · 4.625%
HK$13,197
+HK$757/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$24,880/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,023
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,372
−HK$354/mo
Today · 4.125%
HK$13,726
baseline
▲ 0.50% · 4.625%
HK$14,450
+HK$724/mo
Deposit HK$1.71M · loan HK$2.57M · min. income ≈ HK$27,452/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$55,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,657
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,082
−HK$431/mo
Today · 4.125%
HK$14,513
baseline
▲ 0.50% · 4.625%
HK$15,396
+HK$883/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$29,026/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,193
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,601
−HK$413/mo
Today · 4.125%
HK$16,014
baseline
▲ 0.50% · 4.625%
HK$16,858
+HK$844/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$32,028/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$55,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,559
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,105
−HK$555/mo
Today · 4.125%
HK$18,660
baseline
▲ 0.50% · 4.625%
HK$19,795
+HK$1,135/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,320/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,534
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,058
−HK$531/mo
Today · 4.125%
HK$20,589
baseline
▲ 0.50% · 4.625%
HK$21,675
+HK$1,086/mo
Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$41,178/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,693 · 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).