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$9,699
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,000
−HK$307/mo
Today · 4.125%
HK$10,307
baseline
▲ 0.50% · 4.625%
HK$10,934
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,614/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,790
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,079
−HK$294/mo
Today · 4.125%
HK$11,373
baseline
▲ 0.50% · 4.625%
HK$11,972
+HK$599/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,746/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,638
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,001
−HK$367/mo
Today · 4.125%
HK$12,368
baseline
▲ 0.50% · 4.625%
HK$13,121
+HK$753/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,736/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,948
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,295
−HK$352/mo
Today · 4.125%
HK$13,647
baseline
▲ 0.50% · 4.625%
HK$14,367
+HK$720/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,294/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,578
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,001
−HK$429/mo
Today · 4.125%
HK$14,430
baseline
▲ 0.50% · 4.625%
HK$15,308
+HK$878/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,860/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,106
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,511
−HK$411/mo
Today · 4.125%
HK$15,922
baseline
▲ 0.50% · 4.625%
HK$16,761
+HK$839/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,844/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,458
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$18,001
−HK$551/mo
Today · 4.125%
HK$18,552
baseline
▲ 0.50% · 4.625%
HK$19,681
+HK$1,129/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$37,104/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$50,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,422
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,942
−HK$529/mo
Today · 4.125%
HK$20,471
baseline
▲ 0.50% · 4.625%
HK$21,550
+HK$1,079/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$40,942/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$50,771 · 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).