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$9,655
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,955
−HK$305/mo
Today · 4.125%
HK$10,260
baseline
▲ 0.50% · 4.625%
HK$10,885
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,520/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,741
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,029
−HK$292/mo
Today · 4.125%
HK$11,321
baseline
▲ 0.50% · 4.625%
HK$11,918
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,642/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,586
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,946
−HK$367/mo
Today · 4.125%
HK$12,313
baseline
▲ 0.50% · 4.625%
HK$13,062
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,626/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,889
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,235
−HK$351/mo
Today · 4.125%
HK$13,586
baseline
▲ 0.50% · 4.625%
HK$14,302
+HK$716/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,172/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,517
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,937
−HK$428/mo
Today · 4.125%
HK$14,365
baseline
▲ 0.50% · 4.625%
HK$15,239
+HK$874/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,730/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,037
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,441
−HK$409/mo
Today · 4.125%
HK$15,850
baseline
▲ 0.50% · 4.625%
HK$16,685
+HK$835/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,700/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,379
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,920
−HK$549/mo
Today · 4.125%
HK$18,469
baseline
▲ 0.50% · 4.625%
HK$19,593
+HK$1,124/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,938/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,334
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,852
−HK$526/mo
Today · 4.125%
HK$20,378
baseline
▲ 0.50% · 4.625%
HK$21,453
+HK$1,075/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,756/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,933 · 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).