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$9,584
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,882
−HK$303/mo
Today · 4.125%
HK$10,185
baseline
▲ 0.50% · 4.625%
HK$10,805
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,370/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,662
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,948
−HK$290/mo
Today · 4.125%
HK$11,238
baseline
▲ 0.50% · 4.625%
HK$11,831
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,476/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,501
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,859
−HK$363/mo
Today · 4.125%
HK$12,222
baseline
▲ 0.50% · 4.625%
HK$12,966
+HK$744/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,444/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,795
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,138
−HK$348/mo
Today · 4.125%
HK$13,486
baseline
▲ 0.50% · 4.625%
HK$14,197
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,972/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,418
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,835
−HK$424/mo
Today · 4.125%
HK$14,259
baseline
▲ 0.50% · 4.625%
HK$15,127
+HK$868/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,518/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,927
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,328
−HK$406/mo
Today · 4.125%
HK$15,734
baseline
▲ 0.50% · 4.625%
HK$16,563
+HK$829/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,468/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,252
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,788
−HK$545/mo
Today · 4.125%
HK$18,333
baseline
▲ 0.50% · 4.625%
HK$19,449
+HK$1,116/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,666/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$40,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,192
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,707
−HK$522/mo
Today · 4.125%
HK$20,229
baseline
▲ 0.50% · 4.625%
HK$21,295
+HK$1,066/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,458/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$40,727 · 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).