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$9,649
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,949
−HK$305/mo
Today · 4.125%
HK$10,254
baseline
▲ 0.50% · 4.625%
HK$10,878
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,508/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,734
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,022
−HK$292/mo
Today · 4.125%
HK$11,314
baseline
▲ 0.50% · 4.625%
HK$11,910
+HK$596/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,628/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,578
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,939
−HK$366/mo
Today · 4.125%
HK$12,305
baseline
▲ 0.50% · 4.625%
HK$13,053
+HK$748/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,610/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,881
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,226
−HK$351/mo
Today · 4.125%
HK$13,577
baseline
▲ 0.50% · 4.625%
HK$14,293
+HK$716/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,154/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,508
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,928
−HK$427/mo
Today · 4.125%
HK$14,355
baseline
▲ 0.50% · 4.625%
HK$15,229
+HK$874/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,710/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,028
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,431
−HK$409/mo
Today · 4.125%
HK$15,840
baseline
▲ 0.50% · 4.625%
HK$16,675
+HK$835/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,680/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,368
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,908
−HK$549/mo
Today · 4.125%
HK$18,457
baseline
▲ 0.50% · 4.625%
HK$19,580
+HK$1,123/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,914/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,321
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,840
−HK$525/mo
Today · 4.125%
HK$20,365
baseline
▲ 0.50% · 4.625%
HK$21,439
+HK$1,074/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,730/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,386 · 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).