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$9,703
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,005
−HK$307/mo
Today · 4.125%
HK$10,312
baseline
▲ 0.50% · 4.625%
HK$10,939
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,624/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,795
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,084
−HK$294/mo
Today · 4.125%
HK$11,378
baseline
▲ 0.50% · 4.625%
HK$11,978
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,756/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,644
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,006
−HK$368/mo
Today · 4.125%
HK$12,374
baseline
▲ 0.50% · 4.625%
HK$13,127
+HK$753/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,748/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,954
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,301
−HK$353/mo
Today · 4.125%
HK$13,654
baseline
▲ 0.50% · 4.625%
HK$14,373
+HK$719/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,308/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,585
−HK$851/mo
▼ 0.25% · 3.875%
HK$14,007
−HK$429/mo
Today · 4.125%
HK$14,436
baseline
▲ 0.50% · 4.625%
HK$15,315
+HK$879/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,872/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,113
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,518
−HK$411/mo
Today · 4.125%
HK$15,929
baseline
▲ 0.50% · 4.625%
HK$16,769
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,858/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,466
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,009
−HK$552/mo
Today · 4.125%
HK$18,561
baseline
▲ 0.50% · 4.625%
HK$19,691
+HK$1,130/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,122/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,431
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,952
−HK$528/mo
Today · 4.125%
HK$20,480
baseline
▲ 0.50% · 4.625%
HK$21,560
+HK$1,080/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$40,960/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,170 · 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).