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$9,714
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,016
−HK$307/mo
Today · 4.125%
HK$10,323
baseline
▲ 0.50% · 4.625%
HK$10,952
+HK$629/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,646/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,807
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,097
−HK$294/mo
Today · 4.125%
HK$11,391
baseline
▲ 0.50% · 4.625%
HK$11,991
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,782/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,657
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,020
−HK$368/mo
Today · 4.125%
HK$12,388
baseline
▲ 0.50% · 4.625%
HK$13,142
+HK$754/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$24,776/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,968
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,316
−HK$353/mo
Today · 4.125%
HK$13,669
baseline
▲ 0.50% · 4.625%
HK$14,390
+HK$721/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$27,338/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,600
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,023
−HK$430/mo
Today · 4.125%
HK$14,453
baseline
▲ 0.50% · 4.625%
HK$15,332
+HK$879/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,906/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,130
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,536
−HK$411/mo
Today · 4.125%
HK$15,947
baseline
▲ 0.50% · 4.625%
HK$16,788
+HK$841/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,894/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,486
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,030
−HK$552/mo
Today · 4.125%
HK$18,582
baseline
▲ 0.50% · 4.625%
HK$19,713
+HK$1,131/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,164/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$52,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,453
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,974
−HK$530/mo
Today · 4.125%
HK$20,504
baseline
▲ 0.50% · 4.625%
HK$21,584
+HK$1,080/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$41,008/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$52,137 · 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).