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$9,729
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,032
−HK$307/mo
Today · 4.125%
HK$10,339
baseline
▲ 0.50% · 4.625%
HK$10,968
+HK$629/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,678/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,823
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,114
−HK$294/mo
Today · 4.125%
HK$11,408
baseline
▲ 0.50% · 4.625%
HK$12,009
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,816/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,675
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,038
−HK$369/mo
Today · 4.125%
HK$12,407
baseline
▲ 0.50% · 4.625%
HK$13,162
+HK$755/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,814/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,988
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,336
−HK$354/mo
Today · 4.125%
HK$13,690
baseline
▲ 0.50% · 4.625%
HK$14,411
+HK$721/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,380/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,620
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,044
−HK$431/mo
Today · 4.125%
HK$14,475
baseline
▲ 0.50% · 4.625%
HK$15,355
+HK$880/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,950/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,153
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,559
−HK$412/mo
Today · 4.125%
HK$15,971
baseline
▲ 0.50% · 4.625%
HK$16,813
+HK$842/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,942/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,512
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,057
−HK$553/mo
Today · 4.125%
HK$18,610
baseline
▲ 0.50% · 4.625%
HK$19,743
+HK$1,133/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,220/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,482
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,004
−HK$531/mo
Today · 4.125%
HK$20,535
baseline
▲ 0.50% · 4.625%
HK$21,617
+HK$1,082/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,070/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,419 · 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).