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$9,731
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,033
−HK$308/mo
Today · 4.125%
HK$10,341
baseline
▲ 0.50% · 4.625%
HK$10,970
+HK$629/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,682/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,825
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,116
−HK$294/mo
Today · 4.125%
HK$11,410
baseline
▲ 0.50% · 4.625%
HK$12,012
+HK$602/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,820/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,677
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,040
−HK$369/mo
Today · 4.125%
HK$12,409
baseline
▲ 0.50% · 4.625%
HK$13,164
+HK$755/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,818/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,990
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,339
−HK$353/mo
Today · 4.125%
HK$13,692
baseline
▲ 0.50% · 4.625%
HK$14,414
+HK$722/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,384/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,623
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,047
−HK$430/mo
Today · 4.125%
HK$14,477
baseline
▲ 0.50% · 4.625%
HK$15,358
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,954/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,155
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,562
−HK$412/mo
Today · 4.125%
HK$15,974
baseline
▲ 0.50% · 4.625%
HK$16,816
+HK$842/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,948/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,515
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,060
−HK$554/mo
Today · 4.125%
HK$18,614
baseline
▲ 0.50% · 4.625%
HK$19,746
+HK$1,132/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,228/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,486
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,008
−HK$530/mo
Today · 4.125%
HK$20,538
baseline
▲ 0.50% · 4.625%
HK$21,621
+HK$1,083/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,076/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,577 · 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).