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$9,716
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,019
−HK$307/mo
Today · 4.125%
HK$10,326
baseline
▲ 0.50% · 4.625%
HK$10,954
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,652/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,809
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,099
−HK$294/mo
Today · 4.125%
HK$11,393
baseline
▲ 0.50% · 4.625%
HK$11,994
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,786/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,660
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,022
−HK$369/mo
Today · 4.125%
HK$12,391
baseline
▲ 0.50% · 4.625%
HK$13,145
+HK$754/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$24,782/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,971
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,319
−HK$353/mo
Today · 4.125%
HK$13,672
baseline
▲ 0.50% · 4.625%
HK$14,393
+HK$721/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$27,344/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,603
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,026
−HK$430/mo
Today · 4.125%
HK$14,456
baseline
▲ 0.50% · 4.625%
HK$15,336
+HK$880/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,912/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,133
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,539
−HK$412/mo
Today · 4.125%
HK$15,951
baseline
▲ 0.50% · 4.625%
HK$16,792
+HK$841/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,902/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,490
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,034
−HK$552/mo
Today · 4.125%
HK$18,586
baseline
▲ 0.50% · 4.625%
HK$19,717
+HK$1,131/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$37,172/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$52,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,457
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,979
−HK$529/mo
Today · 4.125%
HK$20,508
baseline
▲ 0.50% · 4.625%
HK$21,589
+HK$1,081/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$41,016/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$52,325 · 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).