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$51,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,803
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,093
−HK$294/mo
Today · 4.125%
HK$11,387
baseline
▲ 0.50% · 4.625%
HK$11,987
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,774/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,653
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,015
−HK$369/mo
Today · 4.125%
HK$12,384
baseline
▲ 0.50% · 4.625%
HK$13,137
+HK$753/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$51,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,964
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,311
−HK$353/mo
Today · 4.125%
HK$13,664
baseline
▲ 0.50% · 4.625%
HK$14,384
+HK$720/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$27,328/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$51,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,595
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,018
−HK$430/mo
Today · 4.125%
HK$14,448
baseline
▲ 0.50% · 4.625%
HK$15,327
+HK$879/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,896/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,124
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,530
−HK$411/mo
Today · 4.125%
HK$15,941
baseline
▲ 0.50% · 4.625%
HK$16,782
+HK$841/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,882/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,479
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,023
−HK$552/mo
Today · 4.125%
HK$18,575
baseline
▲ 0.50% · 4.625%
HK$19,706
+HK$1,131/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,150/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$51,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,446
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,967
−HK$529/mo
Today · 4.125%
HK$20,496
baseline
▲ 0.50% · 4.625%
HK$21,577
+HK$1,081/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$40,992/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$51,823 · 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).