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$9,680
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,981
−HK$306/mo
Today · 4.125%
HK$10,287
baseline
▲ 0.50% · 4.625%
HK$10,913
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,574/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,769
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,058
−HK$293/mo
Today · 4.125%
HK$11,351
baseline
▲ 0.50% · 4.625%
HK$11,949
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,702/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,616
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,978
−HK$367/mo
Today · 4.125%
HK$12,345
baseline
▲ 0.50% · 4.625%
HK$13,096
+HK$751/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,690/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,923
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,270
−HK$351/mo
Today · 4.125%
HK$13,621
baseline
▲ 0.50% · 4.625%
HK$14,339
+HK$718/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,242/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,552
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,974
−HK$428/mo
Today · 4.125%
HK$14,402
baseline
▲ 0.50% · 4.625%
HK$15,279
+HK$877/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,804/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,077
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,481
−HK$411/mo
Today · 4.125%
HK$15,892
baseline
▲ 0.50% · 4.625%
HK$16,729
+HK$837/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,784/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,425
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,967
−HK$550/mo
Today · 4.125%
HK$18,517
baseline
▲ 0.50% · 4.625%
HK$19,644
+HK$1,127/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$37,034/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,385
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,905
−HK$527/mo
Today · 4.125%
HK$20,432
baseline
▲ 0.50% · 4.625%
HK$21,509
+HK$1,077/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$40,864/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,158 · 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).