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$9,667
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,968
−HK$305/mo
Today · 4.125%
HK$10,273
baseline
▲ 0.50% · 4.625%
HK$10,898
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,546/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,754
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,043
−HK$292/mo
Today · 4.125%
HK$11,335
baseline
▲ 0.50% · 4.625%
HK$11,933
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,670/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,600
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,961
−HK$367/mo
Today · 4.125%
HK$12,328
baseline
▲ 0.50% · 4.625%
HK$13,078
+HK$750/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$24,656/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,905
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,251
−HK$352/mo
Today · 4.125%
HK$13,603
baseline
▲ 0.50% · 4.625%
HK$14,320
+HK$717/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$27,206/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,534
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,955
−HK$427/mo
Today · 4.125%
HK$14,382
baseline
▲ 0.50% · 4.625%
HK$15,258
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,764/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,056
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,460
−HK$410/mo
Today · 4.125%
HK$15,870
baseline
▲ 0.50% · 4.625%
HK$16,706
+HK$836/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,740/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,401
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,942
−HK$550/mo
Today · 4.125%
HK$18,492
baseline
▲ 0.50% · 4.625%
HK$19,617
+HK$1,125/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$36,984/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$47,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,358
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,877
−HK$527/mo
Today · 4.125%
HK$20,404
baseline
▲ 0.50% · 4.625%
HK$21,479
+HK$1,075/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,808/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$47,985 · 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).