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$9,590
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,888
−HK$303/mo
Today · 4.125%
HK$10,191
baseline
▲ 0.50% · 4.625%
HK$10,811
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,382/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,668
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,954
−HK$291/mo
Today · 4.125%
HK$11,245
baseline
▲ 0.50% · 4.625%
HK$11,837
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,490/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,508
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,865
−HK$364/mo
Today · 4.125%
HK$12,229
baseline
▲ 0.50% · 4.625%
HK$12,973
+HK$744/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,458/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,802
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,145
−HK$349/mo
Today · 4.125%
HK$13,494
baseline
▲ 0.50% · 4.625%
HK$14,205
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,988/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,425
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,843
−HK$424/mo
Today · 4.125%
HK$14,267
baseline
▲ 0.50% · 4.625%
HK$15,135
+HK$868/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,534/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,936
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,336
−HK$407/mo
Today · 4.125%
HK$15,743
baseline
▲ 0.50% · 4.625%
HK$16,572
+HK$829/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,486/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,261
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,798
−HK$546/mo
Today · 4.125%
HK$18,344
baseline
▲ 0.50% · 4.625%
HK$19,460
+HK$1,116/mo
Deposit HK$421K · loan HK$3.78M · min. income ≈ HK$36,688/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,203
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,718
−HK$523/mo
Today · 4.125%
HK$20,241
baseline
▲ 0.50% · 4.625%
HK$21,307
+HK$1,066/mo
Deposit HK$421K · loan HK$3.78M · min. income ≈ HK$40,482/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,200 · 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).