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$9,585
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,883
−HK$303/mo
Today · 4.125%
HK$10,186
baseline
▲ 0.50% · 4.625%
HK$10,806
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,372/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,663
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,949
−HK$290/mo
Today · 4.125%
HK$11,239
baseline
▲ 0.50% · 4.625%
HK$11,832
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,478/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,502
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,860
−HK$363/mo
Today · 4.125%
HK$12,223
baseline
▲ 0.50% · 4.625%
HK$12,967
+HK$744/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,446/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,796
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,139
−HK$348/mo
Today · 4.125%
HK$13,487
baseline
▲ 0.50% · 4.625%
HK$14,198
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,974/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,419
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,836
−HK$424/mo
Today · 4.125%
HK$14,260
baseline
▲ 0.50% · 4.625%
HK$15,128
+HK$868/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,520/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,928
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,329
−HK$406/mo
Today · 4.125%
HK$15,735
baseline
▲ 0.50% · 4.625%
HK$16,564
+HK$829/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,470/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,253
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,790
−HK$545/mo
Today · 4.125%
HK$18,335
baseline
▲ 0.50% · 4.625%
HK$19,451
+HK$1,116/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,670/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$40,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,194
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,709
−HK$522/mo
Today · 4.125%
HK$20,231
baseline
▲ 0.50% · 4.625%
HK$21,297
+HK$1,066/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,462/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$40,794 · 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).