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$9,691
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,992
−HK$307/mo
Today · 4.125%
HK$10,299
baseline
▲ 0.50% · 4.625%
HK$10,925
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,598/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,781
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,070
−HK$294/mo
Today · 4.125%
HK$11,364
baseline
▲ 0.50% · 4.625%
HK$11,963
+HK$599/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,728/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,629
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,991
−HK$367/mo
Today · 4.125%
HK$12,358
baseline
▲ 0.50% · 4.625%
HK$13,110
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,716/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,937
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,284
−HK$352/mo
Today · 4.125%
HK$13,636
baseline
▲ 0.50% · 4.625%
HK$14,355
+HK$719/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,272/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,567
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,989
−HK$429/mo
Today · 4.125%
HK$14,418
baseline
▲ 0.50% · 4.625%
HK$15,296
+HK$878/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,836/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,094
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,498
−HK$411/mo
Today · 4.125%
HK$15,909
baseline
▲ 0.50% · 4.625%
HK$16,748
+HK$839/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,818/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,444
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,986
−HK$552/mo
Today · 4.125%
HK$18,538
baseline
▲ 0.50% · 4.625%
HK$19,666
+HK$1,128/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$37,076/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$50,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,406
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,927
−HK$528/mo
Today · 4.125%
HK$20,455
baseline
▲ 0.50% · 4.625%
HK$21,533
+HK$1,078/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$40,910/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$50,093 · 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).