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$9,661
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,961
−HK$306/mo
Today · 4.125%
HK$10,267
baseline
▲ 0.50% · 4.625%
HK$10,891
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,534/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,748
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,036
−HK$292/mo
Today · 4.125%
HK$11,328
baseline
▲ 0.50% · 4.625%
HK$11,925
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,656/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,593
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,954
−HK$366/mo
Today · 4.125%
HK$12,320
baseline
▲ 0.50% · 4.625%
HK$13,070
+HK$750/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,640/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,897
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,243
−HK$351/mo
Today · 4.125%
HK$13,594
baseline
▲ 0.50% · 4.625%
HK$14,310
+HK$716/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,188/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,525
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,946
−HK$427/mo
Today · 4.125%
HK$14,373
baseline
▲ 0.50% · 4.625%
HK$15,248
+HK$875/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,746/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,047
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,450
−HK$409/mo
Today · 4.125%
HK$15,859
baseline
▲ 0.50% · 4.625%
HK$16,695
+HK$836/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,718/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,389
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,930
−HK$550/mo
Today · 4.125%
HK$18,480
baseline
▲ 0.50% · 4.625%
HK$19,604
+HK$1,124/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$36,960/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,346
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,864
−HK$527/mo
Today · 4.125%
HK$20,391
baseline
▲ 0.50% · 4.625%
HK$21,466
+HK$1,075/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$40,782/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,443 · 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).