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$9,668
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,968
−HK$306/mo
Today · 4.125%
HK$10,274
baseline
▲ 0.50% · 4.625%
HK$10,899
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,548/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,755
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,044
−HK$292/mo
Today · 4.125%
HK$11,336
baseline
▲ 0.50% · 4.625%
HK$11,934
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,672/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,601
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,962
−HK$367/mo
Today · 4.125%
HK$12,329
baseline
▲ 0.50% · 4.625%
HK$13,079
+HK$750/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$24,658/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$48,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,906
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,252
−HK$352/mo
Today · 4.125%
HK$13,604
baseline
▲ 0.50% · 4.625%
HK$14,321
+HK$717/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$27,208/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$48,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,535
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,956
−HK$428/mo
Today · 4.125%
HK$14,384
baseline
▲ 0.50% · 4.625%
HK$15,259
+HK$875/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,768/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,057
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,461
−HK$410/mo
Today · 4.125%
HK$15,871
baseline
▲ 0.50% · 4.625%
HK$16,707
+HK$836/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,742/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,402
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,943
−HK$550/mo
Today · 4.125%
HK$18,493
baseline
▲ 0.50% · 4.625%
HK$19,618
+HK$1,125/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$36,986/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$48,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,360
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,879
−HK$526/mo
Today · 4.125%
HK$20,405
baseline
▲ 0.50% · 4.625%
HK$21,481
+HK$1,076/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,810/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$48,054 · 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).