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$9,697
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,999
−HK$306/mo
Today · 4.125%
HK$10,305
baseline
▲ 0.50% · 4.625%
HK$10,932
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,610/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,788
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,077
−HK$294/mo
Today · 4.125%
HK$11,371
baseline
▲ 0.50% · 4.625%
HK$11,970
+HK$599/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,742/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,636
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,998
−HK$368/mo
Today · 4.125%
HK$12,366
baseline
▲ 0.50% · 4.625%
HK$13,119
+HK$753/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,732/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,945
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,293
−HK$352/mo
Today · 4.125%
HK$13,645
baseline
▲ 0.50% · 4.625%
HK$14,364
+HK$719/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,290/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,576
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,998
−HK$429/mo
Today · 4.125%
HK$14,427
baseline
▲ 0.50% · 4.625%
HK$15,305
+HK$878/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,854/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,103
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,508
−HK$411/mo
Today · 4.125%
HK$15,919
baseline
▲ 0.50% · 4.625%
HK$16,758
+HK$839/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,838/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,455
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,998
−HK$551/mo
Today · 4.125%
HK$18,549
baseline
▲ 0.50% · 4.625%
HK$19,678
+HK$1,129/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$37,098/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$50,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,418
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,939
−HK$528/mo
Today · 4.125%
HK$20,467
baseline
▲ 0.50% · 4.625%
HK$21,546
+HK$1,079/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$40,934/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$50,625 · 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).