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$9,562
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,860
−HK$302/mo
Today · 4.125%
HK$10,162
baseline
▲ 0.50% · 4.625%
HK$10,780
+HK$618/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,324/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$38,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,638
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,923
−HK$289/mo
Today · 4.125%
HK$11,212
baseline
▲ 0.50% · 4.625%
HK$11,803
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,424/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$38,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,475
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,831
−HK$363/mo
Today · 4.125%
HK$12,194
baseline
▲ 0.50% · 4.625%
HK$12,936
+HK$742/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,388/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,765
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,108
−HK$347/mo
Today · 4.125%
HK$13,455
baseline
▲ 0.50% · 4.625%
HK$14,164
+HK$709/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,910/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,387
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,803
−HK$423/mo
Today · 4.125%
HK$14,226
baseline
▲ 0.50% · 4.625%
HK$15,092
+HK$866/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,452/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,893
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,292
−HK$405/mo
Today · 4.125%
HK$15,697
baseline
▲ 0.50% · 4.625%
HK$16,525
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,394/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,212
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,747
−HK$544/mo
Today · 4.125%
HK$18,291
baseline
▲ 0.50% · 4.625%
HK$19,404
+HK$1,113/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,582/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,148
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,661
−HK$521/mo
Today · 4.125%
HK$20,182
baseline
▲ 0.50% · 4.625%
HK$21,246
+HK$1,064/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,364/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,787 · 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).