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$9,690
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,992
−HK$306/mo
Today · 4.125%
HK$10,298
baseline
▲ 0.50% · 4.625%
HK$10,925
+HK$627/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,596/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$50,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,780
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,070
−HK$293/mo
Today · 4.125%
HK$11,363
baseline
▲ 0.50% · 4.625%
HK$11,962
+HK$599/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,726/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$50,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,628
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,990
−HK$368/mo
Today · 4.125%
HK$12,358
baseline
▲ 0.50% · 4.625%
HK$13,110
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,716/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,936
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,283
−HK$352/mo
Today · 4.125%
HK$13,635
baseline
▲ 0.50% · 4.625%
HK$14,354
+HK$719/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,270/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,566
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,988
−HK$429/mo
Today · 4.125%
HK$14,417
baseline
▲ 0.50% · 4.625%
HK$15,294
+HK$877/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,834/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$50,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,093
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,497
−HK$411/mo
Today · 4.125%
HK$15,908
baseline
▲ 0.50% · 4.625%
HK$16,747
+HK$839/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,816/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$50,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,443
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,985
−HK$551/mo
Today · 4.125%
HK$18,536
baseline
▲ 0.50% · 4.625%
HK$19,664
+HK$1,128/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$37,072/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$50,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,405
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,925
−HK$528/mo
Today · 4.125%
HK$20,453
baseline
▲ 0.50% · 4.625%
HK$21,531
+HK$1,078/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$40,906/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$50,035 · 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).