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$9,594
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,892
−HK$303/mo
Today · 4.125%
HK$10,195
baseline
▲ 0.50% · 4.625%
HK$10,816
+HK$621/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,390/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$41,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,673
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,959
−HK$290/mo
Today · 4.125%
HK$11,249
baseline
▲ 0.50% · 4.625%
HK$11,842
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,498/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$41,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,512
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,870
−HK$364/mo
Today · 4.125%
HK$12,234
baseline
▲ 0.50% · 4.625%
HK$12,979
+HK$745/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,468/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,807
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,151
−HK$348/mo
Today · 4.125%
HK$13,499
baseline
▲ 0.50% · 4.625%
HK$14,211
+HK$712/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,998/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,431
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,849
−HK$424/mo
Today · 4.125%
HK$14,273
baseline
▲ 0.50% · 4.625%
HK$15,142
+HK$869/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,546/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,942
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,343
−HK$406/mo
Today · 4.125%
HK$15,749
baseline
▲ 0.50% · 4.625%
HK$16,579
+HK$830/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,498/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,269
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,806
−HK$545/mo
Today · 4.125%
HK$18,351
baseline
▲ 0.50% · 4.625%
HK$19,468
+HK$1,117/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,702/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,211
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,726
−HK$523/mo
Today · 4.125%
HK$20,249
baseline
▲ 0.50% · 4.625%
HK$21,316
+HK$1,067/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,498/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,554 · 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).