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$9,702
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,004
−HK$307/mo
Today · 4.125%
HK$10,311
baseline
▲ 0.50% · 4.625%
HK$10,938
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,622/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,794
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,083
−HK$294/mo
Today · 4.125%
HK$11,377
baseline
▲ 0.50% · 4.625%
HK$11,976
+HK$599/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,754/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,643
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,005
−HK$368/mo
Today · 4.125%
HK$12,373
baseline
▲ 0.50% · 4.625%
HK$13,126
+HK$753/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,746/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,952
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,300
−HK$352/mo
Today · 4.125%
HK$13,652
baseline
▲ 0.50% · 4.625%
HK$14,372
+HK$720/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,304/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,583
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,006
−HK$429/mo
Today · 4.125%
HK$14,435
baseline
▲ 0.50% · 4.625%
HK$15,313
+HK$878/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,870/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,111
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,516
−HK$411/mo
Today · 4.125%
HK$15,927
baseline
▲ 0.50% · 4.625%
HK$16,767
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,854/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,464
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,007
−HK$552/mo
Today · 4.125%
HK$18,559
baseline
▲ 0.50% · 4.625%
HK$19,688
+HK$1,129/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$37,118/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,428
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,950
−HK$528/mo
Today · 4.125%
HK$20,478
baseline
▲ 0.50% · 4.625%
HK$21,558
+HK$1,080/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$40,956/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,074 · 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).