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$9,708
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,010
−HK$307/mo
Today · 4.125%
HK$10,317
baseline
▲ 0.50% · 4.625%
HK$10,945
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,634/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,800
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,090
−HK$294/mo
Today · 4.125%
HK$11,384
baseline
▲ 0.50% · 4.625%
HK$11,984
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,768/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,650
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,012
−HK$368/mo
Today · 4.125%
HK$12,380
baseline
▲ 0.50% · 4.625%
HK$13,133
+HK$753/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,760/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,960
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,308
−HK$352/mo
Today · 4.125%
HK$13,660
baseline
▲ 0.50% · 4.625%
HK$14,380
+HK$720/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,320/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,591
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,014
−HK$430/mo
Today · 4.125%
HK$14,444
baseline
▲ 0.50% · 4.625%
HK$15,322
+HK$878/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,888/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,120
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,526
−HK$411/mo
Today · 4.125%
HK$15,937
baseline
▲ 0.50% · 4.625%
HK$16,777
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,874/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,474
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,018
−HK$552/mo
Today · 4.125%
HK$18,570
baseline
▲ 0.50% · 4.625%
HK$19,700
+HK$1,130/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,140/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,440
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,962
−HK$528/mo
Today · 4.125%
HK$20,490
baseline
▲ 0.50% · 4.625%
HK$21,571
+HK$1,081/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$40,980/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,586 · 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).