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$9,575
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,873
−HK$303/mo
Today · 4.125%
HK$10,176
baseline
▲ 0.50% · 4.625%
HK$10,795
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,352/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,653
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,938
−HK$290/mo
Today · 4.125%
HK$11,228
baseline
▲ 0.50% · 4.625%
HK$11,820
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,456/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,490
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,848
−HK$363/mo
Today · 4.125%
HK$12,211
baseline
▲ 0.50% · 4.625%
HK$12,954
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,422/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,783
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,126
−HK$348/mo
Today · 4.125%
HK$13,474
baseline
▲ 0.50% · 4.625%
HK$14,184
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,948/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,406
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,823
−HK$423/mo
Today · 4.125%
HK$14,246
baseline
▲ 0.50% · 4.625%
HK$15,113
+HK$867/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,492/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,914
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,314
−HK$405/mo
Today · 4.125%
HK$15,719
baseline
▲ 0.50% · 4.625%
HK$16,548
+HK$829/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,438/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,236
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,772
−HK$545/mo
Today · 4.125%
HK$18,317
baseline
▲ 0.50% · 4.625%
HK$19,431
+HK$1,114/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,634/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$39,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,175
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,689
−HK$522/mo
Today · 4.125%
HK$20,211
baseline
▲ 0.50% · 4.625%
HK$21,276
+HK$1,065/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,422/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$39,955 · 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).