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$9,564
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,861
−HK$302/mo
Today · 4.125%
HK$10,163
baseline
▲ 0.50% · 4.625%
HK$10,782
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,326/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$38,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,639
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,925
−HK$289/mo
Today · 4.125%
HK$11,214
baseline
▲ 0.50% · 4.625%
HK$11,805
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,428/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$38,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,476
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,833
−HK$363/mo
Today · 4.125%
HK$12,196
baseline
▲ 0.50% · 4.625%
HK$12,938
+HK$742/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,392/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,767
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,110
−HK$347/mo
Today · 4.125%
HK$13,457
baseline
▲ 0.50% · 4.625%
HK$14,166
+HK$709/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,914/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,389
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,806
−HK$423/mo
Today · 4.125%
HK$14,229
baseline
▲ 0.50% · 4.625%
HK$15,095
+HK$866/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,458/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,895
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,295
−HK$405/mo
Today · 4.125%
HK$15,700
baseline
▲ 0.50% · 4.625%
HK$16,528
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,400/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,215
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,750
−HK$544/mo
Today · 4.125%
HK$18,294
baseline
▲ 0.50% · 4.625%
HK$19,407
+HK$1,113/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,588/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,151
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,665
−HK$521/mo
Today · 4.125%
HK$20,186
baseline
▲ 0.50% · 4.625%
HK$21,250
+HK$1,064/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,372/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,924 · 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).