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$9,592
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,891
−HK$303/mo
Today · 4.125%
HK$10,194
baseline
▲ 0.50% · 4.625%
HK$10,814
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,388/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,671
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,957
−HK$291/mo
Today · 4.125%
HK$11,248
baseline
▲ 0.50% · 4.625%
HK$11,841
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,496/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,511
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,869
−HK$363/mo
Today · 4.125%
HK$12,232
baseline
▲ 0.50% · 4.625%
HK$12,977
+HK$745/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,464/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,805
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,149
−HK$348/mo
Today · 4.125%
HK$13,497
baseline
▲ 0.50% · 4.625%
HK$14,209
+HK$712/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,994/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,429
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,847
−HK$424/mo
Today · 4.125%
HK$14,271
baseline
▲ 0.50% · 4.625%
HK$15,140
+HK$869/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,542/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,940
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,340
−HK$407/mo
Today · 4.125%
HK$15,747
baseline
▲ 0.50% · 4.625%
HK$16,577
+HK$830/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,494/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,266
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,803
−HK$546/mo
Today · 4.125%
HK$18,349
baseline
▲ 0.50% · 4.625%
HK$19,465
+HK$1,116/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,698/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,208
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,723
−HK$523/mo
Today · 4.125%
HK$20,246
baseline
▲ 0.50% · 4.625%
HK$21,313
+HK$1,067/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,492/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,426 · 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).