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$9,563
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,860
−HK$302/mo
Today · 4.125%
HK$10,162
baseline
▲ 0.50% · 4.625%
HK$10,781
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,324/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$38,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,638
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,924
−HK$289/mo
Today · 4.125%
HK$11,213
baseline
▲ 0.50% · 4.625%
HK$11,804
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,426/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$38,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,475
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,832
−HK$363/mo
Today · 4.125%
HK$12,195
baseline
▲ 0.50% · 4.625%
HK$12,937
+HK$742/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,390/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,766
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,108
−HK$348/mo
Today · 4.125%
HK$13,456
baseline
▲ 0.50% · 4.625%
HK$14,165
+HK$709/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,912/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,388
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,804
−HK$423/mo
Today · 4.125%
HK$14,227
baseline
▲ 0.50% · 4.625%
HK$15,093
+HK$866/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,454/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,894
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,293
−HK$405/mo
Today · 4.125%
HK$15,698
baseline
▲ 0.50% · 4.625%
HK$16,526
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,396/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,213
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,748
−HK$544/mo
Today · 4.125%
HK$18,292
baseline
▲ 0.50% · 4.625%
HK$19,405
+HK$1,113/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,584/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,149
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,663
−HK$521/mo
Today · 4.125%
HK$20,184
baseline
▲ 0.50% · 4.625%
HK$21,247
+HK$1,063/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,368/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,833 · 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).