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$9,599
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,897
−HK$303/mo
Today · 4.125%
HK$10,200
baseline
▲ 0.50% · 4.625%
HK$10,821
+HK$621/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,400/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$41,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,678
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,965
−HK$290/mo
Today · 4.125%
HK$11,255
baseline
▲ 0.50% · 4.625%
HK$11,848
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,510/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$41,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,518
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,877
−HK$364/mo
Today · 4.125%
HK$12,241
baseline
▲ 0.50% · 4.625%
HK$12,985
+HK$744/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$24,482/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$41,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,814
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,158
−HK$348/mo
Today · 4.125%
HK$13,506
baseline
▲ 0.50% · 4.625%
HK$14,218
+HK$712/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$27,012/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$41,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,438
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,856
−HK$425/mo
Today · 4.125%
HK$14,281
baseline
▲ 0.50% · 4.625%
HK$15,150
+HK$869/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,562/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,950
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,351
−HK$406/mo
Today · 4.125%
HK$15,757
baseline
▲ 0.50% · 4.625%
HK$16,588
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,514/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,277
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,815
−HK$546/mo
Today · 4.125%
HK$18,361
baseline
▲ 0.50% · 4.625%
HK$19,478
+HK$1,117/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,722/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$41,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,221
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,736
−HK$523/mo
Today · 4.125%
HK$20,259
baseline
▲ 0.50% · 4.625%
HK$21,327
+HK$1,068/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,518/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$41,983 · 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).