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$9,698
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,000
−HK$306/mo
Today · 4.125%
HK$10,306
baseline
▲ 0.50% · 4.625%
HK$10,933
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,612/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,789
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,078
−HK$294/mo
Today · 4.125%
HK$11,372
baseline
▲ 0.50% · 4.625%
HK$11,971
+HK$599/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,744/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,638
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,000
−HK$368/mo
Today · 4.125%
HK$12,368
baseline
▲ 0.50% · 4.625%
HK$13,120
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,736/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,947
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,294
−HK$352/mo
Today · 4.125%
HK$13,646
baseline
▲ 0.50% · 4.625%
HK$14,366
+HK$720/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,292/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,577
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,000
−HK$429/mo
Today · 4.125%
HK$14,429
baseline
▲ 0.50% · 4.625%
HK$15,307
+HK$878/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,858/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,105
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,510
−HK$411/mo
Today · 4.125%
HK$15,921
baseline
▲ 0.50% · 4.625%
HK$16,760
+HK$839/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,842/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,457
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$18,000
−HK$551/mo
Today · 4.125%
HK$18,551
baseline
▲ 0.50% · 4.625%
HK$19,680
+HK$1,129/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$37,102/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$50,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,420
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,941
−HK$529/mo
Today · 4.125%
HK$20,470
baseline
▲ 0.50% · 4.625%
HK$21,548
+HK$1,078/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$40,940/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$50,716 · 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).