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$9,715
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,017
−HK$307/mo
Today · 4.125%
HK$10,324
baseline
▲ 0.50% · 4.625%
HK$10,953
+HK$629/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,648/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,808
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,098
−HK$294/mo
Today · 4.125%
HK$11,392
baseline
▲ 0.50% · 4.625%
HK$11,992
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,784/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,658
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,021
−HK$368/mo
Today · 4.125%
HK$12,389
baseline
▲ 0.50% · 4.625%
HK$13,143
+HK$754/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$24,778/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,970
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,317
−HK$353/mo
Today · 4.125%
HK$13,670
baseline
▲ 0.50% · 4.625%
HK$14,391
+HK$721/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$27,340/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,601
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,024
−HK$430/mo
Today · 4.125%
HK$14,454
baseline
▲ 0.50% · 4.625%
HK$15,334
+HK$880/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,908/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,131
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,537
−HK$412/mo
Today · 4.125%
HK$15,949
baseline
▲ 0.50% · 4.625%
HK$16,789
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,898/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,487
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,031
−HK$553/mo
Today · 4.125%
HK$18,584
baseline
▲ 0.50% · 4.625%
HK$19,715
+HK$1,131/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,168/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$52,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,454
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,976
−HK$529/mo
Today · 4.125%
HK$20,505
baseline
▲ 0.50% · 4.625%
HK$21,586
+HK$1,081/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$41,010/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$52,206 · 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).