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$9,703
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,004
−HK$307/mo
Today · 4.125%
HK$10,311
baseline
▲ 0.50% · 4.625%
HK$10,938
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,622/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,794
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,083
−HK$294/mo
Today · 4.125%
HK$11,377
baseline
▲ 0.50% · 4.625%
HK$11,977
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,754/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,643
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,005
−HK$368/mo
Today · 4.125%
HK$12,373
baseline
▲ 0.50% · 4.625%
HK$13,126
+HK$753/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,746/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,953
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,300
−HK$353/mo
Today · 4.125%
HK$13,653
baseline
▲ 0.50% · 4.625%
HK$14,372
+HK$719/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,306/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,584
−HK$851/mo
▼ 0.25% · 3.875%
HK$14,006
−HK$429/mo
Today · 4.125%
HK$14,435
baseline
▲ 0.50% · 4.625%
HK$15,314
+HK$879/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,870/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,112
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,517
−HK$411/mo
Today · 4.125%
HK$15,928
baseline
▲ 0.50% · 4.625%
HK$16,768
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,856/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,465
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,008
−HK$552/mo
Today · 4.125%
HK$18,560
baseline
▲ 0.50% · 4.625%
HK$19,689
+HK$1,129/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,120/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,429
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,950
−HK$529/mo
Today · 4.125%
HK$20,479
baseline
▲ 0.50% · 4.625%
HK$21,558
+HK$1,079/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$40,958/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,106 · 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).