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$9,571
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,869
−HK$302/mo
Today · 4.125%
HK$10,171
baseline
▲ 0.50% · 4.625%
HK$10,790
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,342/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,647
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,933
−HK$290/mo
Today · 4.125%
HK$11,223
baseline
▲ 0.50% · 4.625%
HK$11,814
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,446/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,485
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,842
−HK$363/mo
Today · 4.125%
HK$12,205
baseline
▲ 0.50% · 4.625%
HK$12,948
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,410/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,777
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,120
−HK$347/mo
Today · 4.125%
HK$13,467
baseline
▲ 0.50% · 4.625%
HK$14,177
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,934/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,399
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,816
−HK$423/mo
Today · 4.125%
HK$14,239
baseline
▲ 0.50% · 4.625%
HK$15,106
+HK$867/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,478/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,906
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,306
−HK$406/mo
Today · 4.125%
HK$15,712
baseline
▲ 0.50% · 4.625%
HK$16,540
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,424/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,228
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,763
−HK$545/mo
Today · 4.125%
HK$18,308
baseline
▲ 0.50% · 4.625%
HK$19,422
+HK$1,114/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,616/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,165
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,679
−HK$522/mo
Today · 4.125%
HK$20,201
baseline
▲ 0.50% · 4.625%
HK$21,266
+HK$1,065/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,402/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,553 · 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).