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$9,707
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,009
−HK$307/mo
Today · 4.125%
HK$10,316
baseline
▲ 0.50% · 4.625%
HK$10,943
+HK$627/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$51,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,799
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,088
−HK$294/mo
Today · 4.125%
HK$11,382
baseline
▲ 0.50% · 4.625%
HK$11,982
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,764/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,648
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,010
−HK$369/mo
Today · 4.125%
HK$12,379
baseline
▲ 0.50% · 4.625%
HK$13,132
+HK$753/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,758/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,958
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,306
−HK$353/mo
Today · 4.125%
HK$13,659
baseline
▲ 0.50% · 4.625%
HK$14,379
+HK$720/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,318/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,590
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,012
−HK$430/mo
Today · 4.125%
HK$14,442
baseline
▲ 0.50% · 4.625%
HK$15,320
+HK$878/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,884/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,118
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,524
−HK$411/mo
Today · 4.125%
HK$15,935
baseline
▲ 0.50% · 4.625%
HK$16,775
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,870/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,472
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,016
−HK$552/mo
Today · 4.125%
HK$18,568
baseline
▲ 0.50% · 4.625%
HK$19,698
+HK$1,130/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,136/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,438
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,959
−HK$529/mo
Today · 4.125%
HK$20,488
baseline
▲ 0.50% · 4.625%
HK$21,568
+HK$1,080/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$40,976/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,479 · 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).