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$9,676
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,977
−HK$306/mo
Today · 4.125%
HK$10,283
baseline
▲ 0.50% · 4.625%
HK$10,908
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,566/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,764
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,053
−HK$293/mo
Today · 4.125%
HK$11,346
baseline
▲ 0.50% · 4.625%
HK$11,944
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,692/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,611
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,972
−HK$367/mo
Today · 4.125%
HK$12,339
baseline
▲ 0.50% · 4.625%
HK$13,090
+HK$751/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,678/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,917
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,264
−HK$351/mo
Today · 4.125%
HK$13,615
baseline
▲ 0.50% · 4.625%
HK$14,333
+HK$718/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,230/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,546
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,968
−HK$428/mo
Today · 4.125%
HK$14,396
baseline
▲ 0.50% · 4.625%
HK$15,272
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,792/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,070
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,474
−HK$410/mo
Today · 4.125%
HK$15,884
baseline
▲ 0.50% · 4.625%
HK$16,721
+HK$837/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,768/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,416
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,958
−HK$551/mo
Today · 4.125%
HK$18,509
baseline
▲ 0.50% · 4.625%
HK$19,635
+HK$1,126/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$37,018/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,376
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,895
−HK$527/mo
Today · 4.125%
HK$20,422
baseline
▲ 0.50% · 4.625%
HK$21,499
+HK$1,077/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,844/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,762 · 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).