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$9,717
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,019
−HK$307/mo
Today · 4.125%
HK$10,326
baseline
▲ 0.50% · 4.625%
HK$10,954
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,652/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,810
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,100
−HK$294/mo
Today · 4.125%
HK$11,394
baseline
▲ 0.50% · 4.625%
HK$11,994
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,788/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,660
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,023
−HK$368/mo
Today · 4.125%
HK$12,391
baseline
▲ 0.50% · 4.625%
HK$13,145
+HK$754/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$24,782/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,972
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,320
−HK$353/mo
Today · 4.125%
HK$13,673
baseline
▲ 0.50% · 4.625%
HK$14,393
+HK$720/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$27,346/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,604
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,027
−HK$430/mo
Today · 4.125%
HK$14,457
baseline
▲ 0.50% · 4.625%
HK$15,336
+HK$879/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,914/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,134
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,540
−HK$411/mo
Today · 4.125%
HK$15,951
baseline
▲ 0.50% · 4.625%
HK$16,792
+HK$841/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,902/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,490
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,034
−HK$553/mo
Today · 4.125%
HK$18,587
baseline
▲ 0.50% · 4.625%
HK$19,718
+HK$1,131/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$37,174/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$52,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,458
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,980
−HK$529/mo
Today · 4.125%
HK$20,509
baseline
▲ 0.50% · 4.625%
HK$21,590
+HK$1,081/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$41,018/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$52,358 · 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).