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$9,733
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,036
−HK$307/mo
Today · 4.125%
HK$10,343
baseline
▲ 0.50% · 4.625%
HK$10,973
+HK$630/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,686/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,828
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,118
−HK$295/mo
Today · 4.125%
HK$11,413
baseline
▲ 0.50% · 4.625%
HK$12,014
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,826/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,679
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,043
−HK$369/mo
Today · 4.125%
HK$12,412
baseline
▲ 0.50% · 4.625%
HK$13,167
+HK$755/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,824/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,993
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,342
−HK$353/mo
Today · 4.125%
HK$13,695
baseline
▲ 0.50% · 4.625%
HK$14,417
+HK$722/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,390/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,626
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,050
−HK$430/mo
Today · 4.125%
HK$14,480
baseline
▲ 0.50% · 4.625%
HK$15,362
+HK$882/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,960/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,159
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,565
−HK$413/mo
Today · 4.125%
HK$15,978
baseline
▲ 0.50% · 4.625%
HK$16,820
+HK$842/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,956/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,519
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,064
−HK$554/mo
Today · 4.125%
HK$18,618
baseline
▲ 0.50% · 4.625%
HK$19,751
+HK$1,133/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,236/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$53,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,490
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,013
−HK$530/mo
Today · 4.125%
HK$20,543
baseline
▲ 0.50% · 4.625%
HK$21,626
+HK$1,083/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,086/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$53,761 · 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).