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$9,569
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,867
−HK$302/mo
Today · 4.125%
HK$10,169
baseline
▲ 0.50% · 4.625%
HK$10,788
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,338/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,646
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,931
−HK$290/mo
Today · 4.125%
HK$11,221
baseline
▲ 0.50% · 4.625%
HK$11,812
+HK$591/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$39,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,483
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,840
−HK$363/mo
Today · 4.125%
HK$12,203
baseline
▲ 0.50% · 4.625%
HK$12,946
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,406/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,775
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,117
−HK$348/mo
Today · 4.125%
HK$13,465
baseline
▲ 0.50% · 4.625%
HK$14,175
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,930/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,397
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,814
−HK$423/mo
Today · 4.125%
HK$14,237
baseline
▲ 0.50% · 4.625%
HK$15,103
+HK$866/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,474/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,904
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,304
−HK$405/mo
Today · 4.125%
HK$15,709
baseline
▲ 0.50% · 4.625%
HK$16,537
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,418/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,224
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,760
−HK$545/mo
Today · 4.125%
HK$18,305
baseline
▲ 0.50% · 4.625%
HK$19,418
+HK$1,113/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,610/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,162
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,676
−HK$521/mo
Today · 4.125%
HK$20,197
baseline
▲ 0.50% · 4.625%
HK$21,262
+HK$1,065/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,394/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,405 · 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).