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$9,579
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,877
−HK$303/mo
Today · 4.125%
HK$10,180
baseline
▲ 0.50% · 4.625%
HK$10,799
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,360/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,656
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,942
−HK$290/mo
Today · 4.125%
HK$11,232
baseline
▲ 0.50% · 4.625%
HK$11,824
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,464/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,495
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,852
−HK$364/mo
Today · 4.125%
HK$12,216
baseline
▲ 0.50% · 4.625%
HK$12,959
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,432/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,788
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,131
−HK$348/mo
Today · 4.125%
HK$13,479
baseline
▲ 0.50% · 4.625%
HK$14,189
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,958/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,411
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,828
−HK$423/mo
Today · 4.125%
HK$14,251
baseline
▲ 0.50% · 4.625%
HK$15,119
+HK$868/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,502/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,919
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,319
−HK$406/mo
Today · 4.125%
HK$15,725
baseline
▲ 0.50% · 4.625%
HK$16,554
+HK$829/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,450/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,242
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,778
−HK$545/mo
Today · 4.125%
HK$18,323
baseline
▲ 0.50% · 4.625%
HK$19,438
+HK$1,115/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,646/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$40,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,182
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,696
−HK$522/mo
Today · 4.125%
HK$20,218
baseline
▲ 0.50% · 4.625%
HK$21,284
+HK$1,066/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,436/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$40,264 · 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).