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$9,725
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,027
−HK$308/mo
Today · 4.125%
HK$10,335
baseline
▲ 0.50% · 4.625%
HK$10,963
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,670/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,819
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,109
−HK$294/mo
Today · 4.125%
HK$11,403
baseline
▲ 0.50% · 4.625%
HK$12,004
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,806/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,670
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,033
−HK$369/mo
Today · 4.125%
HK$12,402
baseline
▲ 0.50% · 4.625%
HK$13,156
+HK$754/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,804/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,983
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,331
−HK$353/mo
Today · 4.125%
HK$13,684
baseline
▲ 0.50% · 4.625%
HK$14,405
+HK$721/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,368/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,615
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,038
−HK$430/mo
Today · 4.125%
HK$14,468
baseline
▲ 0.50% · 4.625%
HK$15,349
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,936/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,146
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,552
−HK$413/mo
Today · 4.125%
HK$15,965
baseline
▲ 0.50% · 4.625%
HK$16,806
+HK$841/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,930/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,505
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,049
−HK$553/mo
Today · 4.125%
HK$18,602
baseline
▲ 0.50% · 4.625%
HK$19,734
+HK$1,132/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$37,204/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,474
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,996
−HK$530/mo
Today · 4.125%
HK$20,526
baseline
▲ 0.50% · 4.625%
HK$21,608
+HK$1,082/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$41,052/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,058 · 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).