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$9,718
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,020
−HK$307/mo
Today · 4.125%
HK$10,327
baseline
▲ 0.50% · 4.625%
HK$10,955
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,654/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,811
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,101
−HK$294/mo
Today · 4.125%
HK$11,395
baseline
▲ 0.50% · 4.625%
HK$11,995
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,790/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,661
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,024
−HK$368/mo
Today · 4.125%
HK$12,392
baseline
▲ 0.50% · 4.625%
HK$13,146
+HK$754/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$24,784/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,973
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,321
−HK$353/mo
Today · 4.125%
HK$13,674
baseline
▲ 0.50% · 4.625%
HK$14,394
+HK$720/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$27,348/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,605
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,028
−HK$430/mo
Today · 4.125%
HK$14,458
baseline
▲ 0.50% · 4.625%
HK$15,337
+HK$879/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,916/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,135
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,541
−HK$412/mo
Today · 4.125%
HK$15,953
baseline
▲ 0.50% · 4.625%
HK$16,794
+HK$841/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,906/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,492
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,036
−HK$552/mo
Today · 4.125%
HK$18,588
baseline
▲ 0.50% · 4.625%
HK$19,720
+HK$1,132/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$37,176/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$52,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,459
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,981
−HK$530/mo
Today · 4.125%
HK$20,511
baseline
▲ 0.50% · 4.625%
HK$21,592
+HK$1,081/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$41,022/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$52,421 · 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).