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$9,706
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,008
−HK$306/mo
Today · 4.125%
HK$10,314
baseline
▲ 0.50% · 4.625%
HK$10,942
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,628/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,798
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,087
−HK$294/mo
Today · 4.125%
HK$11,381
baseline
▲ 0.50% · 4.625%
HK$11,981
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,762/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,647
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,009
−HK$368/mo
Today · 4.125%
HK$12,377
baseline
▲ 0.50% · 4.625%
HK$13,130
+HK$753/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,754/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,957
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,305
−HK$352/mo
Today · 4.125%
HK$13,657
baseline
▲ 0.50% · 4.625%
HK$14,377
+HK$720/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,314/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,588
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,011
−HK$429/mo
Today · 4.125%
HK$14,440
baseline
▲ 0.50% · 4.625%
HK$15,319
+HK$879/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,880/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,117
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,522
−HK$411/mo
Today · 4.125%
HK$15,933
baseline
▲ 0.50% · 4.625%
HK$16,773
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,866/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,470
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,014
−HK$552/mo
Today · 4.125%
HK$18,566
baseline
▲ 0.50% · 4.625%
HK$19,696
+HK$1,130/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,132/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,436
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,957
−HK$529/mo
Today · 4.125%
HK$20,486
baseline
▲ 0.50% · 4.625%
HK$21,565
+HK$1,079/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$40,972/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,385 · 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).