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$9,679
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,980
−HK$306/mo
Today · 4.125%
HK$10,286
baseline
▲ 0.50% · 4.625%
HK$10,912
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,572/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,768
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,057
−HK$293/mo
Today · 4.125%
HK$11,350
baseline
▲ 0.50% · 4.625%
HK$11,948
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,700/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,615
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,976
−HK$367/mo
Today · 4.125%
HK$12,343
baseline
▲ 0.50% · 4.625%
HK$13,094
+HK$751/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,686/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,921
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,268
−HK$351/mo
Today · 4.125%
HK$13,619
baseline
▲ 0.50% · 4.625%
HK$14,337
+HK$718/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,238/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,551
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,972
−HK$428/mo
Today · 4.125%
HK$14,400
baseline
▲ 0.50% · 4.625%
HK$15,277
+HK$877/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,800/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,075
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,479
−HK$410/mo
Today · 4.125%
HK$15,889
baseline
▲ 0.50% · 4.625%
HK$16,727
+HK$838/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,778/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,422
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,964
−HK$551/mo
Today · 4.125%
HK$18,515
baseline
▲ 0.50% · 4.625%
HK$19,641
+HK$1,126/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$37,030/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,382
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,902
−HK$527/mo
Today · 4.125%
HK$20,429
baseline
▲ 0.50% · 4.625%
HK$21,506
+HK$1,077/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,858/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,042 · 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).