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$9,566
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,863
−HK$302/mo
Today · 4.125%
HK$10,165
baseline
▲ 0.50% · 4.625%
HK$10,784
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,330/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,642
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,927
−HK$290/mo
Today · 4.125%
HK$11,217
baseline
▲ 0.50% · 4.625%
HK$11,808
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,434/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,479
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,836
−HK$362/mo
Today · 4.125%
HK$12,198
baseline
▲ 0.50% · 4.625%
HK$12,941
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,396/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,770
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,112
−HK$348/mo
Today · 4.125%
HK$13,460
baseline
▲ 0.50% · 4.625%
HK$14,169
+HK$709/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,920/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,392
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,808
−HK$424/mo
Today · 4.125%
HK$14,232
baseline
▲ 0.50% · 4.625%
HK$15,098
+HK$866/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,464/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,898
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,298
−HK$405/mo
Today · 4.125%
HK$15,703
baseline
▲ 0.50% · 4.625%
HK$16,531
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,406/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,218
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,754
−HK$544/mo
Today · 4.125%
HK$18,298
baseline
▲ 0.50% · 4.625%
HK$19,411
+HK$1,113/mo
Deposit HK$419K · loan HK$3.78M · min. income ≈ HK$36,596/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,155
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,669
−HK$521/mo
Today · 4.125%
HK$20,190
baseline
▲ 0.50% · 4.625%
HK$21,254
+HK$1,064/mo
Deposit HK$419K · loan HK$3.78M · min. income ≈ HK$40,380/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,089 · 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).