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$9,655
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,956
−HK$305/mo
Today · 4.125%
HK$10,261
baseline
▲ 0.50% · 4.625%
HK$10,885
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,522/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,741
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,029
−HK$293/mo
Today · 4.125%
HK$11,322
baseline
▲ 0.50% · 4.625%
HK$11,918
+HK$596/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,644/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,586
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,947
−HK$366/mo
Today · 4.125%
HK$12,313
baseline
▲ 0.50% · 4.625%
HK$13,062
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,626/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,890
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,235
−HK$351/mo
Today · 4.125%
HK$13,586
baseline
▲ 0.50% · 4.625%
HK$14,302
+HK$716/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,172/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,517
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,938
−HK$427/mo
Today · 4.125%
HK$14,365
baseline
▲ 0.50% · 4.625%
HK$15,239
+HK$874/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,730/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,038
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,441
−HK$409/mo
Today · 4.125%
HK$15,850
baseline
▲ 0.50% · 4.625%
HK$16,686
+HK$836/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,700/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,379
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,920
−HK$549/mo
Today · 4.125%
HK$18,469
baseline
▲ 0.50% · 4.625%
HK$19,593
+HK$1,124/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,938/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,334
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,853
−HK$526/mo
Today · 4.125%
HK$20,379
baseline
▲ 0.50% · 4.625%
HK$21,453
+HK$1,074/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,758/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,955 · 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).