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$608/mo
▼ 0.25% · 3.875%
HK$9,994
−HK$306/mo
Today · 4.125%
HK$10,300
baseline
▲ 0.50% · 4.625%
HK$10,927
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,600/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,782
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,072
−HK$293/mo
Today · 4.125%
HK$11,365
baseline
▲ 0.50% · 4.625%
HK$11,964
+HK$599/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,730/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,631
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,992
−HK$368/mo
Today · 4.125%
HK$12,360
baseline
▲ 0.50% · 4.625%
HK$13,112
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,720/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,939
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,286
−HK$352/mo
Today · 4.125%
HK$13,638
baseline
▲ 0.50% · 4.625%
HK$14,357
+HK$719/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,276/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,569
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,991
−HK$429/mo
Today · 4.125%
HK$14,420
baseline
▲ 0.50% · 4.625%
HK$15,297
+HK$877/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,840/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,095
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,500
−HK$411/mo
Today · 4.125%
HK$15,911
baseline
▲ 0.50% · 4.625%
HK$16,750
+HK$839/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,822/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,446
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,989
−HK$551/mo
Today · 4.125%
HK$18,540
baseline
▲ 0.50% · 4.625%
HK$19,668
+HK$1,128/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$37,080/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$50,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,408
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,929
−HK$528/mo
Today · 4.125%
HK$20,457
baseline
▲ 0.50% · 4.625%
HK$21,535
+HK$1,078/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$40,914/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$50,196 · 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).