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$9,735
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,038
−HK$308/mo
Today · 4.125%
HK$10,346
baseline
▲ 0.50% · 4.625%
HK$10,975
+HK$629/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,692/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,830
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,121
−HK$294/mo
Today · 4.125%
HK$11,415
baseline
▲ 0.50% · 4.625%
HK$12,017
+HK$602/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,830/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,682
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,045
−HK$370/mo
Today · 4.125%
HK$12,415
baseline
▲ 0.50% · 4.625%
HK$13,170
+HK$755/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,830/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,996
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,345
−HK$353/mo
Today · 4.125%
HK$13,698
baseline
▲ 0.50% · 4.625%
HK$14,420
+HK$722/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,396/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,629
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,053
−HK$431/mo
Today · 4.125%
HK$14,484
baseline
▲ 0.50% · 4.625%
HK$15,365
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,968/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,162
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,569
−HK$412/mo
Today · 4.125%
HK$15,981
baseline
▲ 0.50% · 4.625%
HK$16,824
+HK$843/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,962/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,523
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,068
−HK$554/mo
Today · 4.125%
HK$18,622
baseline
▲ 0.50% · 4.625%
HK$19,755
+HK$1,133/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,244/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$53,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,494
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,017
−HK$530/mo
Today · 4.125%
HK$20,547
baseline
▲ 0.50% · 4.625%
HK$21,631
+HK$1,084/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,094/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$53,955 · 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).