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$9,720
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,023
−HK$307/mo
Today · 4.125%
HK$10,330
baseline
▲ 0.50% · 4.625%
HK$10,958
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,660/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,814
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,104
−HK$294/mo
Today · 4.125%
HK$11,398
baseline
▲ 0.50% · 4.625%
HK$11,999
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,796/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,664
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,027
−HK$369/mo
Today · 4.125%
HK$12,396
baseline
▲ 0.50% · 4.625%
HK$13,150
+HK$754/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,792/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,976
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,324
−HK$354/mo
Today · 4.125%
HK$13,678
baseline
▲ 0.50% · 4.625%
HK$14,398
+HK$720/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,356/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,608
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,032
−HK$430/mo
Today · 4.125%
HK$14,462
baseline
▲ 0.50% · 4.625%
HK$15,342
+HK$880/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,924/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,139
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,545
−HK$412/mo
Today · 4.125%
HK$15,957
baseline
▲ 0.50% · 4.625%
HK$16,798
+HK$841/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,914/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,497
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,041
−HK$553/mo
Today · 4.125%
HK$18,594
baseline
▲ 0.50% · 4.625%
HK$19,725
+HK$1,131/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$37,188/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$52,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,465
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,987
−HK$529/mo
Today · 4.125%
HK$20,516
baseline
▲ 0.50% · 4.625%
HK$21,598
+HK$1,082/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$41,032/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$52,661 · 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).