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$9,710
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,012
−HK$307/mo
Today · 4.125%
HK$10,319
baseline
▲ 0.50% · 4.625%
HK$10,947
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,638/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,803
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,092
−HK$294/mo
Today · 4.125%
HK$11,386
baseline
▲ 0.50% · 4.625%
HK$11,986
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,772/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,652
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,015
−HK$368/mo
Today · 4.125%
HK$12,383
baseline
▲ 0.50% · 4.625%
HK$13,137
+HK$754/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$24,766/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$51,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,963
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,311
−HK$352/mo
Today · 4.125%
HK$13,663
baseline
▲ 0.50% · 4.625%
HK$14,384
+HK$721/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$27,326/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$51,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,594
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,017
−HK$430/mo
Today · 4.125%
HK$14,447
baseline
▲ 0.50% · 4.625%
HK$15,326
+HK$879/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,894/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,124
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,529
−HK$412/mo
Today · 4.125%
HK$15,941
baseline
▲ 0.50% · 4.625%
HK$16,781
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,882/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,478
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,022
−HK$553/mo
Today · 4.125%
HK$18,575
baseline
▲ 0.50% · 4.625%
HK$19,705
+HK$1,130/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,150/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$51,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,445
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,966
−HK$529/mo
Today · 4.125%
HK$20,495
baseline
▲ 0.50% · 4.625%
HK$21,575
+HK$1,080/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$40,990/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$51,782 · 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).