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$9,683
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,984
−HK$306/mo
Today · 4.125%
HK$10,290
baseline
▲ 0.50% · 4.625%
HK$10,916
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,580/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,772
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,061
−HK$293/mo
Today · 4.125%
HK$11,354
baseline
▲ 0.50% · 4.625%
HK$11,952
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,708/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,619
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,981
−HK$367/mo
Today · 4.125%
HK$12,348
baseline
▲ 0.50% · 4.625%
HK$13,099
+HK$751/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,696/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,926
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,273
−HK$352/mo
Today · 4.125%
HK$13,625
baseline
▲ 0.50% · 4.625%
HK$14,343
+HK$718/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,250/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,556
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,977
−HK$429/mo
Today · 4.125%
HK$14,406
baseline
▲ 0.50% · 4.625%
HK$15,282
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,812/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,081
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,485
−HK$410/mo
Today · 4.125%
HK$15,895
baseline
▲ 0.50% · 4.625%
HK$16,733
+HK$838/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,790/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,429
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,971
−HK$551/mo
Today · 4.125%
HK$18,522
baseline
▲ 0.50% · 4.625%
HK$19,649
+HK$1,127/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$37,044/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,389
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,909
−HK$528/mo
Today · 4.125%
HK$20,437
baseline
▲ 0.50% · 4.625%
HK$21,514
+HK$1,077/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$40,874/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,361 · 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).