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$9,711
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,013
−HK$307/mo
Today · 4.125%
HK$10,320
baseline
▲ 0.50% · 4.625%
HK$10,948
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,640/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,804
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,093
−HK$294/mo
Today · 4.125%
HK$11,387
baseline
▲ 0.50% · 4.625%
HK$11,988
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,774/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,654
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,016
−HK$368/mo
Today · 4.125%
HK$12,384
baseline
▲ 0.50% · 4.625%
HK$13,138
+HK$754/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$24,768/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$51,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,964
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,312
−HK$353/mo
Today · 4.125%
HK$13,665
baseline
▲ 0.50% · 4.625%
HK$14,385
+HK$720/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$27,330/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$51,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,596
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,019
−HK$429/mo
Today · 4.125%
HK$14,448
baseline
▲ 0.50% · 4.625%
HK$15,328
+HK$880/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,896/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,125
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,531
−HK$411/mo
Today · 4.125%
HK$15,942
baseline
▲ 0.50% · 4.625%
HK$16,783
+HK$841/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,884/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,480
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,024
−HK$553/mo
Today · 4.125%
HK$18,577
baseline
▲ 0.50% · 4.625%
HK$19,707
+HK$1,130/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,154/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$51,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,447
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,968
−HK$529/mo
Today · 4.125%
HK$20,497
baseline
▲ 0.50% · 4.625%
HK$21,578
+HK$1,081/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$40,994/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$51,873 · 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).