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$9,570
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,867
−HK$303/mo
Today · 4.125%
HK$10,170
baseline
▲ 0.50% · 4.625%
HK$10,789
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,340/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,646
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,932
−HK$289/mo
Today · 4.125%
HK$11,221
baseline
▲ 0.50% · 4.625%
HK$11,813
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,442/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,484
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,841
−HK$363/mo
Today · 4.125%
HK$12,204
baseline
▲ 0.50% · 4.625%
HK$12,946
+HK$742/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,408/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,775
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,118
−HK$348/mo
Today · 4.125%
HK$13,466
baseline
▲ 0.50% · 4.625%
HK$14,175
+HK$709/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,932/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,398
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,814
−HK$424/mo
Today · 4.125%
HK$14,238
baseline
▲ 0.50% · 4.625%
HK$15,104
+HK$866/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,476/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,905
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,304
−HK$406/mo
Today · 4.125%
HK$15,710
baseline
▲ 0.50% · 4.625%
HK$16,538
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,420/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,225
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,761
−HK$545/mo
Today · 4.125%
HK$18,306
baseline
▲ 0.50% · 4.625%
HK$19,419
+HK$1,113/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,612/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,163
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,677
−HK$521/mo
Today · 4.125%
HK$20,198
baseline
▲ 0.50% · 4.625%
HK$21,263
+HK$1,065/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,396/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,451 · 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).