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$9,579
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,877
−HK$302/mo
Today · 4.125%
HK$10,179
baseline
▲ 0.50% · 4.625%
HK$10,799
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,358/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,656
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,942
−HK$290/mo
Today · 4.125%
HK$11,232
baseline
▲ 0.50% · 4.625%
HK$11,824
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,464/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,494
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,852
−HK$363/mo
Today · 4.125%
HK$12,215
baseline
▲ 0.50% · 4.625%
HK$12,958
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,430/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,787
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,130
−HK$348/mo
Today · 4.125%
HK$13,478
baseline
▲ 0.50% · 4.625%
HK$14,189
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,956/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,410
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,827
−HK$424/mo
Today · 4.125%
HK$14,251
baseline
▲ 0.50% · 4.625%
HK$15,118
+HK$867/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,502/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,918
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,319
−HK$405/mo
Today · 4.125%
HK$15,724
baseline
▲ 0.50% · 4.625%
HK$16,553
+HK$829/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,448/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,241
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,778
−HK$545/mo
Today · 4.125%
HK$18,323
baseline
▲ 0.50% · 4.625%
HK$19,437
+HK$1,114/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,646/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$40,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,181
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,695
−HK$522/mo
Today · 4.125%
HK$20,217
baseline
▲ 0.50% · 4.625%
HK$21,283
+HK$1,066/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,434/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$40,231 · 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).