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$9,693
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,995
−HK$306/mo
Today · 4.125%
HK$10,301
baseline
▲ 0.50% · 4.625%
HK$10,928
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,602/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,784
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,073
−HK$293/mo
Today · 4.125%
HK$11,366
baseline
▲ 0.50% · 4.625%
HK$11,965
+HK$599/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,732/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,632
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,994
−HK$367/mo
Today · 4.125%
HK$12,361
baseline
▲ 0.50% · 4.625%
HK$13,113
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,722/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,940
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,287
−HK$352/mo
Today · 4.125%
HK$13,639
baseline
▲ 0.50% · 4.625%
HK$14,358
+HK$719/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,278/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,571
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,993
−HK$429/mo
Today · 4.125%
HK$14,422
baseline
▲ 0.50% · 4.625%
HK$15,299
+HK$877/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,844/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,097
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,502
−HK$411/mo
Today · 4.125%
HK$15,913
baseline
▲ 0.50% · 4.625%
HK$16,752
+HK$839/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,826/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,448
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,991
−HK$551/mo
Today · 4.125%
HK$18,542
baseline
▲ 0.50% · 4.625%
HK$19,670
+HK$1,128/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$37,084/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$50,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,411
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,931
−HK$528/mo
Today · 4.125%
HK$20,459
baseline
▲ 0.50% · 4.625%
HK$21,538
+HK$1,079/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$40,918/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$50,290 · 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).