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$9,723
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,025
−HK$307/mo
Today · 4.125%
HK$10,332
baseline
▲ 0.50% · 4.625%
HK$10,961
+HK$629/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,664/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,816
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,106
−HK$295/mo
Today · 4.125%
HK$11,401
baseline
▲ 0.50% · 4.625%
HK$12,002
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,802/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,667
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,030
−HK$369/mo
Today · 4.125%
HK$12,399
baseline
▲ 0.50% · 4.625%
HK$13,153
+HK$754/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,798/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,980
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,328
−HK$353/mo
Today · 4.125%
HK$13,681
baseline
▲ 0.50% · 4.625%
HK$14,402
+HK$721/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,362/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,612
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,035
−HK$430/mo
Today · 4.125%
HK$14,465
baseline
▲ 0.50% · 4.625%
HK$15,345
+HK$880/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,930/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,143
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,549
−HK$412/mo
Today · 4.125%
HK$15,961
baseline
▲ 0.50% · 4.625%
HK$16,802
+HK$841/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,922/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,501
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,045
−HK$553/mo
Today · 4.125%
HK$18,598
baseline
▲ 0.50% · 4.625%
HK$19,730
+HK$1,132/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$37,196/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$52,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,469
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,992
−HK$529/mo
Today · 4.125%
HK$20,521
baseline
▲ 0.50% · 4.625%
HK$21,603
+HK$1,082/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$41,042/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$52,867 · 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).