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$9,704
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,006
−HK$307/mo
Today · 4.125%
HK$10,313
baseline
▲ 0.50% · 4.625%
HK$10,940
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,626/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,796
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,085
−HK$294/mo
Today · 4.125%
HK$11,379
baseline
▲ 0.50% · 4.625%
HK$11,979
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,758/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,645
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,007
−HK$368/mo
Today · 4.125%
HK$12,375
baseline
▲ 0.50% · 4.625%
HK$13,128
+HK$753/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,750/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,955
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,302
−HK$353/mo
Today · 4.125%
HK$13,655
baseline
▲ 0.50% · 4.625%
HK$14,375
+HK$720/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,310/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,586
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,008
−HK$430/mo
Today · 4.125%
HK$14,438
baseline
▲ 0.50% · 4.625%
HK$15,316
+HK$878/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,876/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,114
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,519
−HK$412/mo
Today · 4.125%
HK$15,931
baseline
▲ 0.50% · 4.625%
HK$16,770
+HK$839/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,862/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,467
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,011
−HK$552/mo
Today · 4.125%
HK$18,563
baseline
▲ 0.50% · 4.625%
HK$19,692
+HK$1,129/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,126/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,432
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,954
−HK$528/mo
Today · 4.125%
HK$20,482
baseline
▲ 0.50% · 4.625%
HK$21,562
+HK$1,080/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$40,964/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$51,246 · 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).