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$9,701
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,003
−HK$306/mo
Today · 4.125%
HK$10,309
baseline
▲ 0.50% · 4.625%
HK$10,936
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,618/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,792
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,082
−HK$293/mo
Today · 4.125%
HK$11,375
baseline
▲ 0.50% · 4.625%
HK$11,975
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,750/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,641
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,003
−HK$368/mo
Today · 4.125%
HK$12,371
baseline
▲ 0.50% · 4.625%
HK$13,124
+HK$753/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,742/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,951
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,298
−HK$352/mo
Today · 4.125%
HK$13,650
baseline
▲ 0.50% · 4.625%
HK$14,370
+HK$720/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,300/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,581
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,004
−HK$429/mo
Today · 4.125%
HK$14,433
baseline
▲ 0.50% · 4.625%
HK$15,311
+HK$878/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,866/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,109
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,514
−HK$411/mo
Today · 4.125%
HK$15,925
baseline
▲ 0.50% · 4.625%
HK$16,765
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,850/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,462
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,005
−HK$552/mo
Today · 4.125%
HK$18,557
baseline
▲ 0.50% · 4.625%
HK$19,686
+HK$1,129/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$37,114/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$50,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,426
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,947
−HK$528/mo
Today · 4.125%
HK$20,475
baseline
▲ 0.50% · 4.625%
HK$21,555
+HK$1,080/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$40,950/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$50,959 · 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).