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$9,679
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,980
−HK$305/mo
Today · 4.125%
HK$10,285
baseline
▲ 0.50% · 4.625%
HK$10,911
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,570/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,767
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,056
−HK$293/mo
Today · 4.125%
HK$11,349
baseline
▲ 0.50% · 4.625%
HK$11,947
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,698/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,614
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,976
−HK$367/mo
Today · 4.125%
HK$12,343
baseline
▲ 0.50% · 4.625%
HK$13,094
+HK$751/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,686/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,921
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,267
−HK$352/mo
Today · 4.125%
HK$13,619
baseline
▲ 0.50% · 4.625%
HK$14,337
+HK$718/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,238/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,550
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,971
−HK$429/mo
Today · 4.125%
HK$14,400
baseline
▲ 0.50% · 4.625%
HK$15,276
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,800/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,074
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,478
−HK$411/mo
Today · 4.125%
HK$15,889
baseline
▲ 0.50% · 4.625%
HK$16,726
+HK$837/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,778/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,421
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,963
−HK$551/mo
Today · 4.125%
HK$18,514
baseline
▲ 0.50% · 4.625%
HK$19,640
+HK$1,126/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$37,028/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$49,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,381
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,901
−HK$527/mo
Today · 4.125%
HK$20,428
baseline
▲ 0.50% · 4.625%
HK$21,505
+HK$1,077/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,856/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$49,001 · 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).