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$9,730
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,032
−HK$308/mo
Today · 4.125%
HK$10,340
baseline
▲ 0.50% · 4.625%
HK$10,969
+HK$629/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,680/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,824
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,114
−HK$295/mo
Today · 4.125%
HK$11,409
baseline
▲ 0.50% · 4.625%
HK$12,010
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,818/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,675
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,039
−HK$369/mo
Today · 4.125%
HK$12,408
baseline
▲ 0.50% · 4.625%
HK$13,163
+HK$755/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,816/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,989
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,337
−HK$354/mo
Today · 4.125%
HK$13,691
baseline
▲ 0.50% · 4.625%
HK$14,412
+HK$721/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,382/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,621
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,045
−HK$431/mo
Today · 4.125%
HK$14,476
baseline
▲ 0.50% · 4.625%
HK$15,356
+HK$880/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,952/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,154
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,560
−HK$412/mo
Today · 4.125%
HK$15,972
baseline
▲ 0.50% · 4.625%
HK$16,814
+HK$842/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,944/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,513
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,058
−HK$553/mo
Today · 4.125%
HK$18,611
baseline
▲ 0.50% · 4.625%
HK$19,744
+HK$1,133/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,222/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,483
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,006
−HK$530/mo
Today · 4.125%
HK$20,536
baseline
▲ 0.50% · 4.625%
HK$21,618
+HK$1,082/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,072/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,474 · 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).