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$9,587
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,886
−HK$303/mo
Today · 4.125%
HK$10,189
baseline
▲ 0.50% · 4.625%
HK$10,809
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,378/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,666
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,952
−HK$290/mo
Today · 4.125%
HK$11,242
baseline
▲ 0.50% · 4.625%
HK$11,835
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,484/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,505
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,863
−HK$363/mo
Today · 4.125%
HK$12,226
baseline
▲ 0.50% · 4.625%
HK$12,970
+HK$744/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,452/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,799
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,142
−HK$349/mo
Today · 4.125%
HK$13,491
baseline
▲ 0.50% · 4.625%
HK$14,202
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,982/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,422
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,840
−HK$424/mo
Today · 4.125%
HK$14,264
baseline
▲ 0.50% · 4.625%
HK$15,132
+HK$868/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,528/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,932
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,333
−HK$406/mo
Today · 4.125%
HK$15,739
baseline
▲ 0.50% · 4.625%
HK$16,569
+HK$830/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,478/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,257
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,794
−HK$546/mo
Today · 4.125%
HK$18,340
baseline
▲ 0.50% · 4.625%
HK$19,455
+HK$1,115/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,680/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$41,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,199
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,714
−HK$522/mo
Today · 4.125%
HK$20,236
baseline
▲ 0.50% · 4.625%
HK$21,303
+HK$1,067/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,472/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$41,007 · 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).