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$9,706
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,008
−HK$307/mo
Today · 4.125%
HK$10,315
baseline
▲ 0.50% · 4.625%
HK$10,943
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,630/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,798
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,088
−HK$294/mo
Today · 4.125%
HK$11,382
baseline
▲ 0.50% · 4.625%
HK$11,982
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,764/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,648
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,010
−HK$368/mo
Today · 4.125%
HK$12,378
baseline
▲ 0.50% · 4.625%
HK$13,131
+HK$753/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,756/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,958
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,305
−HK$353/mo
Today · 4.125%
HK$13,658
baseline
▲ 0.50% · 4.625%
HK$14,378
+HK$720/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,316/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,589
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,012
−HK$429/mo
Today · 4.125%
HK$14,441
baseline
▲ 0.50% · 4.625%
HK$15,320
+HK$879/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,882/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,118
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,523
−HK$411/mo
Today · 4.125%
HK$15,934
baseline
▲ 0.50% · 4.625%
HK$16,774
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,868/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,472
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,015
−HK$552/mo
Today · 4.125%
HK$18,567
baseline
▲ 0.50% · 4.625%
HK$19,697
+HK$1,130/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,134/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,437
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,958
−HK$529/mo
Today · 4.125%
HK$20,487
baseline
▲ 0.50% · 4.625%
HK$21,567
+HK$1,080/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$40,974/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,445 · 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).