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$9,646
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,946
−HK$305/mo
Today · 4.125%
HK$10,251
baseline
▲ 0.50% · 4.625%
HK$10,875
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,502/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,731
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,019
−HK$292/mo
Today · 4.125%
HK$11,311
baseline
▲ 0.50% · 4.625%
HK$11,907
+HK$596/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,622/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,575
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,935
−HK$366/mo
Today · 4.125%
HK$12,301
baseline
▲ 0.50% · 4.625%
HK$13,050
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,602/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,877
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,223
−HK$350/mo
Today · 4.125%
HK$13,573
baseline
▲ 0.50% · 4.625%
HK$14,289
+HK$716/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,146/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,504
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,925
−HK$426/mo
Today · 4.125%
HK$14,351
baseline
▲ 0.50% · 4.625%
HK$15,225
+HK$874/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,702/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,024
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,426
−HK$409/mo
Today · 4.125%
HK$15,835
baseline
▲ 0.50% · 4.625%
HK$16,670
+HK$835/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,670/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,363
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,903
−HK$549/mo
Today · 4.125%
HK$18,452
baseline
▲ 0.50% · 4.625%
HK$19,574
+HK$1,122/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,904/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$46,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,316
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,834
−HK$526/mo
Today · 4.125%
HK$20,360
baseline
▲ 0.50% · 4.625%
HK$21,433
+HK$1,073/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,720/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$46,149 · 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).