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$9,567
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,865
−HK$302/mo
Today · 4.125%
HK$10,167
baseline
▲ 0.50% · 4.625%
HK$10,786
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,334/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,643
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,929
−HK$289/mo
Today · 4.125%
HK$11,218
baseline
▲ 0.50% · 4.625%
HK$11,810
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,436/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,481
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,838
−HK$362/mo
Today · 4.125%
HK$12,200
baseline
▲ 0.50% · 4.625%
HK$12,943
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,400/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,772
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,115
−HK$347/mo
Today · 4.125%
HK$13,462
baseline
▲ 0.50% · 4.625%
HK$14,172
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,924/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,394
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,811
−HK$423/mo
Today · 4.125%
HK$14,234
baseline
▲ 0.50% · 4.625%
HK$15,100
+HK$866/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,468/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,901
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,300
−HK$406/mo
Today · 4.125%
HK$15,706
baseline
▲ 0.50% · 4.625%
HK$16,534
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,412/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,221
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,756
−HK$545/mo
Today · 4.125%
HK$18,301
baseline
▲ 0.50% · 4.625%
HK$19,414
+HK$1,113/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,602/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,158
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,672
−HK$521/mo
Today · 4.125%
HK$20,193
baseline
▲ 0.50% · 4.625%
HK$21,257
+HK$1,064/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,386/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,227 · 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).