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$10,028
−HK$307/mo
Today · 4.125%
HK$10,335
baseline
▲ 0.50% · 4.625%
HK$10,964
+HK$629/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$53,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,819
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,110
−HK$294/mo
Today · 4.125%
HK$11,404
baseline
▲ 0.50% · 4.625%
HK$12,005
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,808/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,671
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,034
−HK$368/mo
Today · 4.125%
HK$12,402
baseline
▲ 0.50% · 4.625%
HK$13,157
+HK$755/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$53,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,983
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,332
−HK$353/mo
Today · 4.125%
HK$13,685
baseline
▲ 0.50% · 4.625%
HK$14,406
+HK$721/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,370/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,616
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,039
−HK$430/mo
Today · 4.125%
HK$14,469
baseline
▲ 0.50% · 4.625%
HK$15,350
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,938/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,147
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,553
−HK$413/mo
Today · 4.125%
HK$15,966
baseline
▲ 0.50% · 4.625%
HK$16,807
+HK$841/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,932/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,506
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,050
−HK$554/mo
Today · 4.125%
HK$18,604
baseline
▲ 0.50% · 4.625%
HK$19,736
+HK$1,132/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,208/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,475
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,997
−HK$530/mo
Today · 4.125%
HK$20,527
baseline
▲ 0.50% · 4.625%
HK$21,609
+HK$1,082/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,054/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,114 · 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).