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$9,558
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,855
−HK$302/mo
Today · 4.125%
HK$10,157
baseline
▲ 0.50% · 4.625%
HK$10,775
+HK$618/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,314/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,633
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,918
−HK$289/mo
Today · 4.125%
HK$11,207
baseline
▲ 0.50% · 4.625%
HK$11,798
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,414/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,469
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,826
−HK$362/mo
Today · 4.125%
HK$12,188
baseline
▲ 0.50% · 4.625%
HK$12,930
+HK$742/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$24,376/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$38,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,759
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,101
−HK$348/mo
Today · 4.125%
HK$13,449
baseline
▲ 0.50% · 4.625%
HK$14,158
+HK$709/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$26,898/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$38,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,381
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,797
−HK$423/mo
Today · 4.125%
HK$14,220
baseline
▲ 0.50% · 4.625%
HK$15,085
+HK$865/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,440/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,886
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,285
−HK$405/mo
Today · 4.125%
HK$15,690
baseline
▲ 0.50% · 4.625%
HK$16,517
+HK$827/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,380/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,204
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,739
−HK$544/mo
Today · 4.125%
HK$18,283
baseline
▲ 0.50% · 4.625%
HK$19,395
+HK$1,112/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,566/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,139
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,652
−HK$521/mo
Today · 4.125%
HK$20,173
baseline
▲ 0.50% · 4.625%
HK$21,236
+HK$1,063/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,346/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,393 · 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).