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$9,561
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,858
−HK$302/mo
Today · 4.125%
HK$10,160
baseline
▲ 0.50% · 4.625%
HK$10,778
+HK$618/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,320/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$38,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,636
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,921
−HK$290/mo
Today · 4.125%
HK$11,211
baseline
▲ 0.50% · 4.625%
HK$11,802
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,422/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$38,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,473
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,830
−HK$362/mo
Today · 4.125%
HK$12,192
baseline
▲ 0.50% · 4.625%
HK$12,934
+HK$742/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,384/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,763
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,106
−HK$347/mo
Today · 4.125%
HK$13,453
baseline
▲ 0.50% · 4.625%
HK$14,162
+HK$709/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,906/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,385
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,801
−HK$423/mo
Today · 4.125%
HK$14,224
baseline
▲ 0.50% · 4.625%
HK$15,090
+HK$866/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,448/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,890
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,290
−HK$405/mo
Today · 4.125%
HK$15,695
baseline
▲ 0.50% · 4.625%
HK$16,522
+HK$827/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,390/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,209
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,744
−HK$544/mo
Today · 4.125%
HK$18,288
baseline
▲ 0.50% · 4.625%
HK$19,401
+HK$1,113/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,576/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,145
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,658
−HK$521/mo
Today · 4.125%
HK$20,179
baseline
▲ 0.50% · 4.625%
HK$21,243
+HK$1,064/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,358/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,655 · 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).