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$9,705
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,006
−HK$307/mo
Today · 4.125%
HK$10,313
baseline
▲ 0.50% · 4.625%
HK$10,941
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,626/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,796
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,086
−HK$294/mo
Today · 4.125%
HK$11,380
baseline
▲ 0.50% · 4.625%
HK$11,979
+HK$599/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,760/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,645
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,008
−HK$368/mo
Today · 4.125%
HK$12,376
baseline
▲ 0.50% · 4.625%
HK$13,129
+HK$753/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,752/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,955
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,303
−HK$352/mo
Today · 4.125%
HK$13,655
baseline
▲ 0.50% · 4.625%
HK$14,375
+HK$720/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,310/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,586
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,009
−HK$429/mo
Today · 4.125%
HK$14,438
baseline
▲ 0.50% · 4.625%
HK$15,317
+HK$879/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,876/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,115
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,520
−HK$411/mo
Today · 4.125%
HK$15,931
baseline
▲ 0.50% · 4.625%
HK$16,771
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,862/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,468
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,012
−HK$552/mo
Today · 4.125%
HK$18,564
baseline
▲ 0.50% · 4.625%
HK$19,693
+HK$1,129/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,128/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,433
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,954
−HK$529/mo
Today · 4.125%
HK$20,483
baseline
▲ 0.50% · 4.625%
HK$21,563
+HK$1,080/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$40,966/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,283 · 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).