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$9,654
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,954
−HK$305/mo
Today · 4.125%
HK$10,259
baseline
▲ 0.50% · 4.625%
HK$10,883
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,518/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,740
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,028
−HK$292/mo
Today · 4.125%
HK$11,320
baseline
▲ 0.50% · 4.625%
HK$11,917
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,640/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,584
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,945
−HK$366/mo
Today · 4.125%
HK$12,311
baseline
▲ 0.50% · 4.625%
HK$13,060
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,622/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,888
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,233
−HK$351/mo
Today · 4.125%
HK$13,584
baseline
▲ 0.50% · 4.625%
HK$14,300
+HK$716/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,168/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,515
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,936
−HK$427/mo
Today · 4.125%
HK$14,363
baseline
▲ 0.50% · 4.625%
HK$15,237
+HK$874/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,726/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,035
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,439
−HK$409/mo
Today · 4.125%
HK$15,848
baseline
▲ 0.50% · 4.625%
HK$16,683
+HK$835/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,696/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,377
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,917
−HK$549/mo
Today · 4.125%
HK$18,466
baseline
▲ 0.50% · 4.625%
HK$19,590
+HK$1,124/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,932/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,331
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,850
−HK$526/mo
Today · 4.125%
HK$20,376
baseline
▲ 0.50% · 4.625%
HK$21,450
+HK$1,074/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,752/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,817 · 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).