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$606/mo
▼ 0.25% · 3.875%
HK$9,954
−HK$305/mo
Today · 4.125%
HK$10,259
baseline
▲ 0.50% · 4.625%
HK$10,883
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,518/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,739
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,027
−HK$292/mo
Today · 4.125%
HK$11,319
baseline
▲ 0.50% · 4.625%
HK$11,916
+HK$597/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$46,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,584
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,944
−HK$366/mo
Today · 4.125%
HK$12,310
baseline
▲ 0.50% · 4.625%
HK$13,060
+HK$750/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,620/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,887
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,233
−HK$350/mo
Today · 4.125%
HK$13,583
baseline
▲ 0.50% · 4.625%
HK$14,299
+HK$716/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,166/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,515
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,935
−HK$427/mo
Today · 4.125%
HK$14,362
baseline
▲ 0.50% · 4.625%
HK$15,236
+HK$874/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,724/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,035
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,438
−HK$409/mo
Today · 4.125%
HK$15,847
baseline
▲ 0.50% · 4.625%
HK$16,683
+HK$836/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,694/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,376
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,917
−HK$549/mo
Today · 4.125%
HK$18,466
baseline
▲ 0.50% · 4.625%
HK$19,589
+HK$1,123/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,932/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,331
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,849
−HK$526/mo
Today · 4.125%
HK$20,375
baseline
▲ 0.50% · 4.625%
HK$21,449
+HK$1,074/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,750/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,793 · 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).