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$9,665
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,966
−HK$305/mo
Today · 4.125%
HK$10,271
baseline
▲ 0.50% · 4.625%
HK$10,896
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,542/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,753
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,041
−HK$293/mo
Today · 4.125%
HK$11,334
baseline
▲ 0.50% · 4.625%
HK$11,931
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,668/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,598
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,959
−HK$367/mo
Today · 4.125%
HK$12,326
baseline
▲ 0.50% · 4.625%
HK$13,076
+HK$750/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$24,652/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,903
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,249
−HK$351/mo
Today · 4.125%
HK$13,600
baseline
▲ 0.50% · 4.625%
HK$14,317
+HK$717/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$27,200/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,531
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,952
−HK$428/mo
Today · 4.125%
HK$14,380
baseline
▲ 0.50% · 4.625%
HK$15,255
+HK$875/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,760/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,054
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,457
−HK$410/mo
Today · 4.125%
HK$15,867
baseline
▲ 0.50% · 4.625%
HK$16,703
+HK$836/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,734/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,398
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,939
−HK$550/mo
Today · 4.125%
HK$18,489
baseline
▲ 0.50% · 4.625%
HK$19,614
+HK$1,125/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$36,978/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$47,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,355
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,874
−HK$526/mo
Today · 4.125%
HK$20,400
baseline
▲ 0.50% · 4.625%
HK$21,476
+HK$1,076/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$40,800/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$47,841 · 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).