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$9,653
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,953
−HK$305/mo
Today · 4.125%
HK$10,258
baseline
▲ 0.50% · 4.625%
HK$10,882
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,516/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,738
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,026
−HK$293/mo
Today · 4.125%
HK$11,319
baseline
▲ 0.50% · 4.625%
HK$11,915
+HK$596/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,638/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,583
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,943
−HK$366/mo
Today · 4.125%
HK$12,309
baseline
▲ 0.50% · 4.625%
HK$13,058
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,618/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,886
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,232
−HK$350/mo
Today · 4.125%
HK$13,582
baseline
▲ 0.50% · 4.625%
HK$14,298
+HK$716/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,164/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,514
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,934
−HK$427/mo
Today · 4.125%
HK$14,361
baseline
▲ 0.50% · 4.625%
HK$15,235
+HK$874/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,722/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,034
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,437
−HK$409/mo
Today · 4.125%
HK$15,846
baseline
▲ 0.50% · 4.625%
HK$16,681
+HK$835/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,692/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,375
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,915
−HK$549/mo
Today · 4.125%
HK$18,464
baseline
▲ 0.50% · 4.625%
HK$19,588
+HK$1,124/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,928/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,329
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,847
−HK$526/mo
Today · 4.125%
HK$20,373
baseline
▲ 0.50% · 4.625%
HK$21,447
+HK$1,074/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,746/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,719 · 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).