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$607/mo
▼ 0.25% · 3.875%
HK$9,987
−HK$306/mo
Today · 4.125%
HK$10,293
baseline
▲ 0.50% · 4.625%
HK$10,919
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,586/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,775
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,064
−HK$293/mo
Today · 4.125%
HK$11,357
baseline
▲ 0.50% · 4.625%
HK$11,956
+HK$599/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,714/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,623
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,984
−HK$368/mo
Today · 4.125%
HK$12,352
baseline
▲ 0.50% · 4.625%
HK$13,103
+HK$751/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,704/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,930
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,277
−HK$352/mo
Today · 4.125%
HK$13,629
baseline
▲ 0.50% · 4.625%
HK$14,347
+HK$718/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,258/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,560
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,982
−HK$428/mo
Today · 4.125%
HK$14,410
baseline
▲ 0.50% · 4.625%
HK$15,287
+HK$877/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,820/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,085
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,490
−HK$410/mo
Today · 4.125%
HK$15,900
baseline
▲ 0.50% · 4.625%
HK$16,739
+HK$839/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,800/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,434
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,977
−HK$551/mo
Today · 4.125%
HK$18,528
baseline
▲ 0.50% · 4.625%
HK$19,655
+HK$1,127/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$37,056/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,396
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,916
−HK$527/mo
Today · 4.125%
HK$20,443
baseline
▲ 0.50% · 4.625%
HK$21,521
+HK$1,078/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$40,886/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,635 · 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).