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$9,711
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,013
−HK$307/mo
Today · 4.125%
HK$10,320
baseline
▲ 0.50% · 4.625%
HK$10,948
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,640/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,804
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,094
−HK$294/mo
Today · 4.125%
HK$11,388
baseline
▲ 0.50% · 4.625%
HK$11,988
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,776/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,654
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,016
−HK$368/mo
Today · 4.125%
HK$12,384
baseline
▲ 0.50% · 4.625%
HK$13,138
+HK$754/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$24,768/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$51,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,965
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,312
−HK$353/mo
Today · 4.125%
HK$13,665
baseline
▲ 0.50% · 4.625%
HK$14,385
+HK$720/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$27,330/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$51,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,596
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,019
−HK$430/mo
Today · 4.125%
HK$14,449
baseline
▲ 0.50% · 4.625%
HK$15,328
+HK$879/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,898/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,125
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,531
−HK$412/mo
Today · 4.125%
HK$15,943
baseline
▲ 0.50% · 4.625%
HK$16,783
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,886/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,480
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,024
−HK$553/mo
Today · 4.125%
HK$18,577
baseline
▲ 0.50% · 4.625%
HK$19,707
+HK$1,130/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,154/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$51,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,447
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,968
−HK$530/mo
Today · 4.125%
HK$20,498
baseline
▲ 0.50% · 4.625%
HK$21,578
+HK$1,080/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$40,996/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$51,880 · 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).