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$9,591
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,889
−HK$303/mo
Today · 4.125%
HK$10,192
baseline
▲ 0.50% · 4.625%
HK$10,813
+HK$621/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,384/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,670
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,956
−HK$290/mo
Today · 4.125%
HK$11,246
baseline
▲ 0.50% · 4.625%
HK$11,839
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,492/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,509
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,867
−HK$364/mo
Today · 4.125%
HK$12,231
baseline
▲ 0.50% · 4.625%
HK$12,975
+HK$744/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,462/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,804
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,147
−HK$349/mo
Today · 4.125%
HK$13,496
baseline
▲ 0.50% · 4.625%
HK$14,207
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,992/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,427
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,845
−HK$424/mo
Today · 4.125%
HK$14,269
baseline
▲ 0.50% · 4.625%
HK$15,138
+HK$869/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,538/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,938
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,339
−HK$406/mo
Today · 4.125%
HK$15,745
baseline
▲ 0.50% · 4.625%
HK$16,575
+HK$830/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,490/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,264
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,801
−HK$545/mo
Today · 4.125%
HK$18,346
baseline
▲ 0.50% · 4.625%
HK$19,463
+HK$1,117/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,692/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,206
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,721
−HK$522/mo
Today · 4.125%
HK$20,243
baseline
▲ 0.50% · 4.625%
HK$21,311
+HK$1,068/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,486/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,324 · 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).