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$9,699
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,001
−HK$306/mo
Today · 4.125%
HK$10,307
baseline
▲ 0.50% · 4.625%
HK$10,934
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,614/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,790
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,079
−HK$294/mo
Today · 4.125%
HK$11,373
baseline
▲ 0.50% · 4.625%
HK$11,973
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,746/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,639
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,001
−HK$368/mo
Today · 4.125%
HK$12,369
baseline
▲ 0.50% · 4.625%
HK$13,121
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,738/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,948
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,295
−HK$353/mo
Today · 4.125%
HK$13,648
baseline
▲ 0.50% · 4.625%
HK$14,367
+HK$719/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,296/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,579
−HK$851/mo
▼ 0.25% · 3.875%
HK$14,001
−HK$429/mo
Today · 4.125%
HK$14,430
baseline
▲ 0.50% · 4.625%
HK$15,308
+HK$878/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,860/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,106
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,511
−HK$411/mo
Today · 4.125%
HK$15,922
baseline
▲ 0.50% · 4.625%
HK$16,762
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,844/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,458
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,001
−HK$552/mo
Today · 4.125%
HK$18,553
baseline
▲ 0.50% · 4.625%
HK$19,682
+HK$1,129/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$37,106/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$50,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,422
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,943
−HK$529/mo
Today · 4.125%
HK$20,472
baseline
▲ 0.50% · 4.625%
HK$21,551
+HK$1,079/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$40,944/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$50,800 · 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).