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$9,688
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,990
−HK$306/mo
Today · 4.125%
HK$10,296
baseline
▲ 0.50% · 4.625%
HK$10,922
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,592/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,778
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,067
−HK$293/mo
Today · 4.125%
HK$11,360
baseline
▲ 0.50% · 4.625%
HK$11,959
+HK$599/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,720/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,626
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,988
−HK$367/mo
Today · 4.125%
HK$12,355
baseline
▲ 0.50% · 4.625%
HK$13,107
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,710/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,934
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,281
−HK$351/mo
Today · 4.125%
HK$13,632
baseline
▲ 0.50% · 4.625%
HK$14,351
+HK$719/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,264/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,564
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,985
−HK$429/mo
Today · 4.125%
HK$14,414
baseline
▲ 0.50% · 4.625%
HK$15,291
+HK$877/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,828/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,089
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,494
−HK$411/mo
Today · 4.125%
HK$15,905
baseline
▲ 0.50% · 4.625%
HK$16,743
+HK$838/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,810/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,439
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,981
−HK$551/mo
Today · 4.125%
HK$18,532
baseline
▲ 0.50% · 4.625%
HK$19,660
+HK$1,128/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$37,064/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$49,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,401
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,921
−HK$528/mo
Today · 4.125%
HK$20,449
baseline
▲ 0.50% · 4.625%
HK$21,527
+HK$1,078/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$40,898/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$49,851 · 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).