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$9,723
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,025
−HK$308/mo
Today · 4.125%
HK$10,333
baseline
▲ 0.50% · 4.625%
HK$10,961
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,666/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,817
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,107
−HK$294/mo
Today · 4.125%
HK$11,401
baseline
▲ 0.50% · 4.625%
HK$12,002
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,802/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,667
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,030
−HK$369/mo
Today · 4.125%
HK$12,399
baseline
▲ 0.50% · 4.625%
HK$13,154
+HK$755/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,798/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,980
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,328
−HK$353/mo
Today · 4.125%
HK$13,681
baseline
▲ 0.50% · 4.625%
HK$14,402
+HK$721/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,362/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,612
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,035
−HK$431/mo
Today · 4.125%
HK$14,466
baseline
▲ 0.50% · 4.625%
HK$15,346
+HK$880/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,932/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,143
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,549
−HK$412/mo
Today · 4.125%
HK$15,961
baseline
▲ 0.50% · 4.625%
HK$16,803
+HK$842/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,922/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,501
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,046
−HK$553/mo
Today · 4.125%
HK$18,599
baseline
▲ 0.50% · 4.625%
HK$19,730
+HK$1,131/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$37,198/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$52,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,470
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,992
−HK$530/mo
Today · 4.125%
HK$20,522
baseline
▲ 0.50% · 4.625%
HK$21,604
+HK$1,082/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$41,044/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$52,888 · 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).