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$9,692
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,993
−HK$306/mo
Today · 4.125%
HK$10,299
baseline
▲ 0.50% · 4.625%
HK$10,926
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,598/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,782
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,071
−HK$293/mo
Today · 4.125%
HK$11,364
baseline
▲ 0.50% · 4.625%
HK$11,963
+HK$599/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,728/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,630
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,992
−HK$367/mo
Today · 4.125%
HK$12,359
baseline
▲ 0.50% · 4.625%
HK$13,111
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,718/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,938
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,285
−HK$352/mo
Today · 4.125%
HK$13,637
baseline
▲ 0.50% · 4.625%
HK$14,356
+HK$719/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,274/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,568
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,990
−HK$429/mo
Today · 4.125%
HK$14,419
baseline
▲ 0.50% · 4.625%
HK$15,296
+HK$877/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,838/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,095
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,499
−HK$411/mo
Today · 4.125%
HK$15,910
baseline
▲ 0.50% · 4.625%
HK$16,749
+HK$839/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,820/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,445
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,987
−HK$552/mo
Today · 4.125%
HK$18,539
baseline
▲ 0.50% · 4.625%
HK$19,667
+HK$1,128/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$37,078/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$50,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,407
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,928
−HK$528/mo
Today · 4.125%
HK$20,456
baseline
▲ 0.50% · 4.625%
HK$21,534
+HK$1,078/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$40,912/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$50,144 · 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).