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$9,672
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,973
−HK$305/mo
Today · 4.125%
HK$10,278
baseline
▲ 0.50% · 4.625%
HK$10,904
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,556/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,760
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,048
−HK$293/mo
Today · 4.125%
HK$11,341
baseline
▲ 0.50% · 4.625%
HK$11,939
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,682/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,606
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,967
−HK$367/mo
Today · 4.125%
HK$12,334
baseline
▲ 0.50% · 4.625%
HK$13,085
+HK$751/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$24,668/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,912
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,258
−HK$351/mo
Today · 4.125%
HK$13,609
baseline
▲ 0.50% · 4.625%
HK$14,327
+HK$718/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$27,218/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,541
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,962
−HK$428/mo
Today · 4.125%
HK$14,390
baseline
▲ 0.50% · 4.625%
HK$15,265
+HK$875/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,780/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,064
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,468
−HK$410/mo
Today · 4.125%
HK$15,878
baseline
▲ 0.50% · 4.625%
HK$16,715
+HK$837/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,756/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,409
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,951
−HK$550/mo
Today · 4.125%
HK$18,501
baseline
▲ 0.50% · 4.625%
HK$19,627
+HK$1,126/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$37,002/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,368
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,887
−HK$527/mo
Today · 4.125%
HK$20,414
baseline
▲ 0.50% · 4.625%
HK$21,490
+HK$1,076/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,828/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,419 · 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).