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$9,743
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,046
−HK$308/mo
Today · 4.125%
HK$10,354
baseline
▲ 0.50% · 4.625%
HK$10,984
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,708/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,839
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,129
−HK$295/mo
Today · 4.125%
HK$11,424
baseline
▲ 0.50% · 4.625%
HK$12,026
+HK$602/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,848/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,691
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,055
−HK$369/mo
Today · 4.125%
HK$12,424
baseline
▲ 0.50% · 4.625%
HK$13,180
+HK$756/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,848/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,006
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,355
−HK$354/mo
Today · 4.125%
HK$13,709
baseline
▲ 0.50% · 4.625%
HK$14,432
+HK$723/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,418/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,640
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,064
−HK$431/mo
Today · 4.125%
HK$14,495
baseline
▲ 0.50% · 4.625%
HK$15,377
+HK$882/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,990/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,174
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,581
−HK$413/mo
Today · 4.125%
HK$15,994
baseline
▲ 0.50% · 4.625%
HK$16,837
+HK$843/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,988/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,537
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,082
−HK$555/mo
Today · 4.125%
HK$18,637
baseline
▲ 0.50% · 4.625%
HK$19,771
+HK$1,134/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$37,274/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,510
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,033
−HK$531/mo
Today · 4.125%
HK$20,564
baseline
▲ 0.50% · 4.625%
HK$21,648
+HK$1,084/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$41,128/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,631 · 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).