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$9,738
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,041
−HK$308/mo
Today · 4.125%
HK$10,349
baseline
▲ 0.50% · 4.625%
HK$10,979
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,698/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,834
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,124
−HK$295/mo
Today · 4.125%
HK$11,419
baseline
▲ 0.50% · 4.625%
HK$12,021
+HK$602/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,838/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,686
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,049
−HK$370/mo
Today · 4.125%
HK$12,419
baseline
▲ 0.50% · 4.625%
HK$13,174
+HK$755/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,838/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,000
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,349
−HK$354/mo
Today · 4.125%
HK$13,703
baseline
▲ 0.50% · 4.625%
HK$14,425
+HK$722/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,406/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,634
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,058
−HK$431/mo
Today · 4.125%
HK$14,489
baseline
▲ 0.50% · 4.625%
HK$15,370
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,978/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,167
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,574
−HK$413/mo
Today · 4.125%
HK$15,987
baseline
▲ 0.50% · 4.625%
HK$16,829
+HK$842/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,974/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,529
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,074
−HK$554/mo
Today · 4.125%
HK$18,628
baseline
▲ 0.50% · 4.625%
HK$19,762
+HK$1,134/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,256/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$54,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,501
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,024
−HK$530/mo
Today · 4.125%
HK$20,554
baseline
▲ 0.50% · 4.625%
HK$21,638
+HK$1,084/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,108/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$54,238 · 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).