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$9,582
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,881
−HK$302/mo
Today · 4.125%
HK$10,183
baseline
▲ 0.50% · 4.625%
HK$10,803
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,366/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,660
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,946
−HK$290/mo
Today · 4.125%
HK$11,236
baseline
▲ 0.50% · 4.625%
HK$11,829
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,472/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,499
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,857
−HK$363/mo
Today · 4.125%
HK$12,220
baseline
▲ 0.50% · 4.625%
HK$12,964
+HK$744/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,440/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,792
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,136
−HK$348/mo
Today · 4.125%
HK$13,484
baseline
▲ 0.50% · 4.625%
HK$14,194
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,968/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,415
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,833
−HK$424/mo
Today · 4.125%
HK$14,257
baseline
▲ 0.50% · 4.625%
HK$15,124
+HK$867/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,514/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,925
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,325
−HK$406/mo
Today · 4.125%
HK$15,731
baseline
▲ 0.50% · 4.625%
HK$16,560
+HK$829/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,462/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,248
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,785
−HK$545/mo
Today · 4.125%
HK$18,330
baseline
▲ 0.50% · 4.625%
HK$19,445
+HK$1,115/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,660/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$40,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,189
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,703
−HK$522/mo
Today · 4.125%
HK$20,225
baseline
▲ 0.50% · 4.625%
HK$21,292
+HK$1,067/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,450/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$40,574 · 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).