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$9,684
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,985
−HK$306/mo
Today · 4.125%
HK$10,291
baseline
▲ 0.50% · 4.625%
HK$10,918
+HK$627/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,582/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,773
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,062
−HK$293/mo
Today · 4.125%
HK$11,355
baseline
▲ 0.50% · 4.625%
HK$11,954
+HK$599/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,710/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,621
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,982
−HK$368/mo
Today · 4.125%
HK$12,350
baseline
▲ 0.50% · 4.625%
HK$13,101
+HK$751/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,700/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,928
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,275
−HK$352/mo
Today · 4.125%
HK$13,627
baseline
▲ 0.50% · 4.625%
HK$14,345
+HK$718/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,254/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,558
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,979
−HK$429/mo
Today · 4.125%
HK$14,408
baseline
▲ 0.50% · 4.625%
HK$15,285
+HK$877/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,816/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,083
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,487
−HK$411/mo
Today · 4.125%
HK$15,898
baseline
▲ 0.50% · 4.625%
HK$16,736
+HK$838/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,796/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,431
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,973
−HK$551/mo
Today · 4.125%
HK$18,524
baseline
▲ 0.50% · 4.625%
HK$19,652
+HK$1,128/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$37,048/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,392
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,912
−HK$528/mo
Today · 4.125%
HK$20,440
baseline
▲ 0.50% · 4.625%
HK$21,517
+HK$1,077/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$40,880/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,482 · 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).