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$9,657
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,958
−HK$305/mo
Today · 4.125%
HK$10,263
baseline
▲ 0.50% · 4.625%
HK$10,887
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,526/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$47,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,744
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,032
−HK$292/mo
Today · 4.125%
HK$11,324
baseline
▲ 0.50% · 4.625%
HK$11,921
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,648/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$47,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,589
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,949
−HK$366/mo
Today · 4.125%
HK$12,315
baseline
▲ 0.50% · 4.625%
HK$13,065
+HK$750/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,630/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,892
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,238
−HK$351/mo
Today · 4.125%
HK$13,589
baseline
▲ 0.50% · 4.625%
HK$14,305
+HK$716/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,178/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,520
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,941
−HK$427/mo
Today · 4.125%
HK$14,368
baseline
▲ 0.50% · 4.625%
HK$15,242
+HK$874/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,736/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,041
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,444
−HK$410/mo
Today · 4.125%
HK$15,854
baseline
▲ 0.50% · 4.625%
HK$16,689
+HK$835/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,708/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,383
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,924
−HK$549/mo
Today · 4.125%
HK$18,473
baseline
▲ 0.50% · 4.625%
HK$19,597
+HK$1,124/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$36,946/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,338
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,857
−HK$526/mo
Today · 4.125%
HK$20,383
baseline
▲ 0.50% · 4.625%
HK$21,458
+HK$1,075/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$40,766/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,134 · 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).