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$9,574
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,872
−HK$303/mo
Today · 4.125%
HK$10,175
baseline
▲ 0.50% · 4.625%
HK$10,794
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,350/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,651
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,937
−HK$290/mo
Today · 4.125%
HK$11,227
baseline
▲ 0.50% · 4.625%
HK$11,819
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,454/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,489
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,847
−HK$363/mo
Today · 4.125%
HK$12,210
baseline
▲ 0.50% · 4.625%
HK$12,953
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,420/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,782
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,125
−HK$347/mo
Today · 4.125%
HK$13,472
baseline
▲ 0.50% · 4.625%
HK$14,183
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,944/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,404
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,821
−HK$424/mo
Today · 4.125%
HK$14,245
baseline
▲ 0.50% · 4.625%
HK$15,112
+HK$867/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,490/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,912
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,312
−HK$406/mo
Today · 4.125%
HK$15,718
baseline
▲ 0.50% · 4.625%
HK$16,546
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,436/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,234
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,770
−HK$545/mo
Today · 4.125%
HK$18,315
baseline
▲ 0.50% · 4.625%
HK$19,429
+HK$1,114/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,630/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$39,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,173
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,687
−HK$522/mo
Today · 4.125%
HK$20,209
baseline
▲ 0.50% · 4.625%
HK$21,274
+HK$1,065/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,418/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$39,871 · 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).