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$9,742
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,045
−HK$308/mo
Today · 4.125%
HK$10,353
baseline
▲ 0.50% · 4.625%
HK$10,983
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,706/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,838
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,129
−HK$294/mo
Today · 4.125%
HK$11,423
baseline
▲ 0.50% · 4.625%
HK$12,026
+HK$603/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,846/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,690
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,054
−HK$369/mo
Today · 4.125%
HK$12,423
baseline
▲ 0.50% · 4.625%
HK$13,179
+HK$756/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,846/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,005
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,354
−HK$354/mo
Today · 4.125%
HK$13,708
baseline
▲ 0.50% · 4.625%
HK$14,431
+HK$723/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,416/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,639
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,063
−HK$431/mo
Today · 4.125%
HK$14,494
baseline
▲ 0.50% · 4.625%
HK$15,376
+HK$882/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,988/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,173
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,580
−HK$413/mo
Today · 4.125%
HK$15,993
baseline
▲ 0.50% · 4.625%
HK$16,836
+HK$843/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,986/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,536
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,081
−HK$554/mo
Today · 4.125%
HK$18,635
baseline
▲ 0.50% · 4.625%
HK$19,769
+HK$1,134/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$37,270/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,508
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,031
−HK$531/mo
Today · 4.125%
HK$20,562
baseline
▲ 0.50% · 4.625%
HK$21,646
+HK$1,084/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$41,124/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,564 · 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).