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$9,574
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,872
−HK$302/mo
Today · 4.125%
HK$10,174
baseline
▲ 0.50% · 4.625%
HK$10,793
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,348/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,651
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,936
−HK$290/mo
Today · 4.125%
HK$11,226
baseline
▲ 0.50% · 4.625%
HK$11,818
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,452/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,489
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,846
−HK$363/mo
Today · 4.125%
HK$12,209
baseline
▲ 0.50% · 4.625%
HK$12,952
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,418/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,781
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,124
−HK$347/mo
Today · 4.125%
HK$13,471
baseline
▲ 0.50% · 4.625%
HK$14,182
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,942/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,403
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,820
−HK$424/mo
Today · 4.125%
HK$14,244
baseline
▲ 0.50% · 4.625%
HK$15,111
+HK$867/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,488/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,911
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,311
−HK$406/mo
Today · 4.125%
HK$15,717
baseline
▲ 0.50% · 4.625%
HK$16,545
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,434/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,233
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,769
−HK$545/mo
Today · 4.125%
HK$18,314
baseline
▲ 0.50% · 4.625%
HK$19,428
+HK$1,114/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,628/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$39,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,171
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,686
−HK$521/mo
Today · 4.125%
HK$20,207
baseline
▲ 0.50% · 4.625%
HK$21,272
+HK$1,065/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,414/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$39,817 · 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).