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$54,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,837
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,128
−HK$294/mo
Today · 4.125%
HK$11,422
baseline
▲ 0.50% · 4.625%
HK$12,025
+HK$603/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$54,497 · 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$54,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,004
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,353
−HK$354/mo
Today · 4.125%
HK$13,707
baseline
▲ 0.50% · 4.625%
HK$14,430
+HK$723/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,414/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,638
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,062
−HK$431/mo
Today · 4.125%
HK$14,493
baseline
▲ 0.50% · 4.625%
HK$15,375
+HK$882/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,986/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,172
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,579
−HK$412/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$54,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,534
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,080
−HK$554/mo
Today · 4.125%
HK$18,634
baseline
▲ 0.50% · 4.625%
HK$19,768
+HK$1,134/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,268/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,507
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,030
−HK$530/mo
Today · 4.125%
HK$20,560
baseline
▲ 0.50% · 4.625%
HK$21,644
+HK$1,084/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$54,497 · 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).