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$51,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,802
−HK$584/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$51,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,652
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,014
−HK$368/mo
Today · 4.125%
HK$12,382
baseline
▲ 0.50% · 4.625%
HK$13,136
+HK$754/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,764/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$51,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,963
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,310
−HK$353/mo
Today · 4.125%
HK$13,663
baseline
▲ 0.50% · 4.625%
HK$14,383
+HK$720/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,326/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$51,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,594
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,017
−HK$429/mo
Today · 4.125%
HK$14,446
baseline
▲ 0.50% · 4.625%
HK$15,325
+HK$879/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,892/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,123
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,529
−HK$411/mo
Today · 4.125%
HK$15,940
baseline
▲ 0.50% · 4.625%
HK$16,780
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,880/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,478
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,021
−HK$553/mo
Today · 4.125%
HK$18,574
baseline
▲ 0.50% · 4.625%
HK$19,704
+HK$1,130/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,148/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$51,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,444
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,965
−HK$529/mo
Today · 4.125%
HK$20,494
baseline
▲ 0.50% · 4.625%
HK$21,575
+HK$1,081/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$40,988/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$51,745 · 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).