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$9,647
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,947
−HK$305/mo
Today · 4.125%
HK$10,252
baseline
▲ 0.50% · 4.625%
HK$10,876
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,504/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,732
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,020
−HK$292/mo
Today · 4.125%
HK$11,312
baseline
▲ 0.50% · 4.625%
HK$11,909
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,624/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,577
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,937
−HK$366/mo
Today · 4.125%
HK$12,303
baseline
▲ 0.50% · 4.625%
HK$13,051
+HK$748/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,606/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,879
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,224
−HK$351/mo
Today · 4.125%
HK$13,575
baseline
▲ 0.50% · 4.625%
HK$14,290
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,150/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,506
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,926
−HK$427/mo
Today · 4.125%
HK$14,353
baseline
▲ 0.50% · 4.625%
HK$15,226
+HK$873/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,706/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,025
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,428
−HK$409/mo
Today · 4.125%
HK$15,837
baseline
▲ 0.50% · 4.625%
HK$16,672
+HK$835/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,674/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,365
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,905
−HK$549/mo
Today · 4.125%
HK$18,454
baseline
▲ 0.50% · 4.625%
HK$19,577
+HK$1,123/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,908/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$46,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,318
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,837
−HK$525/mo
Today · 4.125%
HK$20,362
baseline
▲ 0.50% · 4.625%
HK$21,435
+HK$1,073/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,724/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$46,253 · 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).