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$9,703
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,005
−HK$306/mo
Today · 4.125%
HK$10,311
baseline
▲ 0.50% · 4.625%
HK$10,939
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,622/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,794
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,084
−HK$293/mo
Today · 4.125%
HK$11,377
baseline
▲ 0.50% · 4.625%
HK$11,977
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,754/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,643
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,006
−HK$368/mo
Today · 4.125%
HK$12,374
baseline
▲ 0.50% · 4.625%
HK$13,126
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,748/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,953
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,301
−HK$352/mo
Today · 4.125%
HK$13,653
baseline
▲ 0.50% · 4.625%
HK$14,373
+HK$720/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,306/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,584
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,006
−HK$430/mo
Today · 4.125%
HK$14,436
baseline
▲ 0.50% · 4.625%
HK$15,314
+HK$878/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,872/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,112
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,517
−HK$411/mo
Today · 4.125%
HK$15,928
baseline
▲ 0.50% · 4.625%
HK$16,768
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,856/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,465
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,008
−HK$552/mo
Today · 4.125%
HK$18,560
baseline
▲ 0.50% · 4.625%
HK$19,690
+HK$1,130/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,120/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,430
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,951
−HK$528/mo
Today · 4.125%
HK$20,479
baseline
▲ 0.50% · 4.625%
HK$21,559
+HK$1,080/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$40,958/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,130 · 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).