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$9,671
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,972
−HK$305/mo
Today · 4.125%
HK$10,277
baseline
▲ 0.50% · 4.625%
HK$10,903
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,554/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,759
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,047
−HK$293/mo
Today · 4.125%
HK$11,340
baseline
▲ 0.50% · 4.625%
HK$11,938
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,680/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,605
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,966
−HK$367/mo
Today · 4.125%
HK$12,333
baseline
▲ 0.50% · 4.625%
HK$13,083
+HK$750/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$24,666/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$48,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,910
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,257
−HK$351/mo
Today · 4.125%
HK$13,608
baseline
▲ 0.50% · 4.625%
HK$14,325
+HK$717/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$27,216/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$48,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,539
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,960
−HK$428/mo
Today · 4.125%
HK$14,388
baseline
▲ 0.50% · 4.625%
HK$15,264
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,776/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,062
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,466
−HK$410/mo
Today · 4.125%
HK$15,876
baseline
▲ 0.50% · 4.625%
HK$16,713
+HK$837/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,752/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,408
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,949
−HK$550/mo
Today · 4.125%
HK$18,499
baseline
▲ 0.50% · 4.625%
HK$19,625
+HK$1,126/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$36,998/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$48,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,366
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,885
−HK$527/mo
Today · 4.125%
HK$20,412
baseline
▲ 0.50% · 4.625%
HK$21,488
+HK$1,076/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,824/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$48,324 · 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).