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$9,559
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,856
−HK$302/mo
Today · 4.125%
HK$10,158
baseline
▲ 0.50% · 4.625%
HK$10,776
+HK$618/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,316/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,634
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,919
−HK$289/mo
Today · 4.125%
HK$11,208
baseline
▲ 0.50% · 4.625%
HK$11,799
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,416/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,470
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,827
−HK$363/mo
Today · 4.125%
HK$12,190
baseline
▲ 0.50% · 4.625%
HK$12,931
+HK$741/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,380/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,761
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,103
−HK$347/mo
Today · 4.125%
HK$13,450
baseline
▲ 0.50% · 4.625%
HK$14,159
+HK$709/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,900/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,382
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,798
−HK$423/mo
Today · 4.125%
HK$14,221
baseline
▲ 0.50% · 4.625%
HK$15,086
+HK$865/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,442/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,887
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,287
−HK$405/mo
Today · 4.125%
HK$15,692
baseline
▲ 0.50% · 4.625%
HK$16,519
+HK$827/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,384/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,205
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,741
−HK$543/mo
Today · 4.125%
HK$18,284
baseline
▲ 0.50% · 4.625%
HK$19,397
+HK$1,113/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,568/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,141
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,654
−HK$521/mo
Today · 4.125%
HK$20,175
baseline
▲ 0.50% · 4.625%
HK$21,238
+HK$1,063/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,350/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,473 · 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).