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$9,677
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,978
−HK$306/mo
Today · 4.125%
HK$10,284
baseline
▲ 0.50% · 4.625%
HK$10,910
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,568/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,766
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,054
−HK$293/mo
Today · 4.125%
HK$11,347
baseline
▲ 0.50% · 4.625%
HK$11,945
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,694/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,612
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,974
−HK$367/mo
Today · 4.125%
HK$12,341
baseline
▲ 0.50% · 4.625%
HK$13,091
+HK$750/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,682/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,919
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,265
−HK$352/mo
Today · 4.125%
HK$13,617
baseline
▲ 0.50% · 4.625%
HK$14,334
+HK$717/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,234/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,548
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,969
−HK$428/mo
Today · 4.125%
HK$14,397
baseline
▲ 0.50% · 4.625%
HK$15,273
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,794/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,072
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,476
−HK$410/mo
Today · 4.125%
HK$15,886
baseline
▲ 0.50% · 4.625%
HK$16,723
+HK$837/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,772/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,419
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,960
−HK$551/mo
Today · 4.125%
HK$18,511
baseline
▲ 0.50% · 4.625%
HK$19,637
+HK$1,126/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$37,022/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,378
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,898
−HK$527/mo
Today · 4.125%
HK$20,425
baseline
▲ 0.50% · 4.625%
HK$21,501
+HK$1,076/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,850/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,861 · 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).