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$9,686
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,988
−HK$306/mo
Today · 4.125%
HK$10,294
baseline
▲ 0.50% · 4.625%
HK$10,920
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,588/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,776
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,065
−HK$293/mo
Today · 4.125%
HK$11,358
baseline
▲ 0.50% · 4.625%
HK$11,957
+HK$599/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,716/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,624
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,985
−HK$368/mo
Today · 4.125%
HK$12,353
baseline
▲ 0.50% · 4.625%
HK$13,104
+HK$751/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,706/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,931
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,278
−HK$352/mo
Today · 4.125%
HK$13,630
baseline
▲ 0.50% · 4.625%
HK$14,348
+HK$718/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,260/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,561
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,983
−HK$428/mo
Today · 4.125%
HK$14,411
baseline
▲ 0.50% · 4.625%
HK$15,288
+HK$877/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,822/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,086
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,491
−HK$410/mo
Today · 4.125%
HK$15,901
baseline
▲ 0.50% · 4.625%
HK$16,740
+HK$839/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,802/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,435
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,978
−HK$551/mo
Today · 4.125%
HK$18,529
baseline
▲ 0.50% · 4.625%
HK$19,656
+HK$1,127/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$37,058/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,397
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,917
−HK$528/mo
Today · 4.125%
HK$20,445
baseline
▲ 0.50% · 4.625%
HK$21,522
+HK$1,077/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$40,890/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,684 · 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).