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$9,694
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,996
−HK$306/mo
Today · 4.125%
HK$10,302
baseline
▲ 0.50% · 4.625%
HK$10,929
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,604/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,785
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,074
−HK$293/mo
Today · 4.125%
HK$11,367
baseline
▲ 0.50% · 4.625%
HK$11,966
+HK$599/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,734/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,633
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,995
−HK$367/mo
Today · 4.125%
HK$12,362
baseline
▲ 0.50% · 4.625%
HK$13,115
+HK$753/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,724/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,941
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,289
−HK$352/mo
Today · 4.125%
HK$13,641
baseline
▲ 0.50% · 4.625%
HK$14,360
+HK$719/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,282/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,572
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,994
−HK$429/mo
Today · 4.125%
HK$14,423
baseline
▲ 0.50% · 4.625%
HK$15,300
+HK$877/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,846/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,098
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,503
−HK$411/mo
Today · 4.125%
HK$15,914
baseline
▲ 0.50% · 4.625%
HK$16,753
+HK$839/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,828/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,449
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$17,992
−HK$552/mo
Today · 4.125%
HK$18,544
baseline
▲ 0.50% · 4.625%
HK$19,672
+HK$1,128/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$37,088/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$50,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,412
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,933
−HK$528/mo
Today · 4.125%
HK$20,461
baseline
▲ 0.50% · 4.625%
HK$21,540
+HK$1,079/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$40,922/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$50,362 · 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).