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$9,708
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,010
−HK$306/mo
Today · 4.125%
HK$10,316
baseline
▲ 0.50% · 4.625%
HK$10,944
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,632/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,800
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,089
−HK$294/mo
Today · 4.125%
HK$11,383
baseline
▲ 0.50% · 4.625%
HK$11,983
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,766/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,649
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,012
−HK$368/mo
Today · 4.125%
HK$12,380
baseline
▲ 0.50% · 4.625%
HK$13,133
+HK$753/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,760/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,960
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,307
−HK$353/mo
Today · 4.125%
HK$13,660
baseline
▲ 0.50% · 4.625%
HK$14,380
+HK$720/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,320/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,591
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,013
−HK$430/mo
Today · 4.125%
HK$14,443
baseline
▲ 0.50% · 4.625%
HK$15,322
+HK$879/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,886/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,120
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,525
−HK$411/mo
Today · 4.125%
HK$15,936
baseline
▲ 0.50% · 4.625%
HK$16,776
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,872/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,474
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,017
−HK$553/mo
Today · 4.125%
HK$18,570
baseline
▲ 0.50% · 4.625%
HK$19,699
+HK$1,129/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,140/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,439
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,961
−HK$529/mo
Today · 4.125%
HK$20,490
baseline
▲ 0.50% · 4.625%
HK$21,570
+HK$1,080/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$40,980/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,554 · 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).