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$9,595
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,894
−HK$303/mo
Today · 4.125%
HK$10,197
baseline
▲ 0.50% · 4.625%
HK$10,817
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,394/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$41,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,675
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,961
−HK$290/mo
Today · 4.125%
HK$11,251
baseline
▲ 0.50% · 4.625%
HK$11,844
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,502/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$41,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,514
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,873
−HK$363/mo
Today · 4.125%
HK$12,236
baseline
▲ 0.50% · 4.625%
HK$12,981
+HK$745/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,472/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,810
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,153
−HK$349/mo
Today · 4.125%
HK$13,502
baseline
▲ 0.50% · 4.625%
HK$14,213
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$27,004/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,433
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,851
−HK$425/mo
Today · 4.125%
HK$14,276
baseline
▲ 0.50% · 4.625%
HK$15,144
+HK$868/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,552/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,945
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,345
−HK$407/mo
Today · 4.125%
HK$15,752
baseline
▲ 0.50% · 4.625%
HK$16,582
+HK$830/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,504/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,272
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,809
−HK$546/mo
Today · 4.125%
HK$18,355
baseline
▲ 0.50% · 4.625%
HK$19,471
+HK$1,116/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,710/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,214
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,730
−HK$522/mo
Today · 4.125%
HK$20,252
baseline
▲ 0.50% · 4.625%
HK$21,320
+HK$1,068/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,504/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,698 · 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).