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$9,650
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,950
−HK$305/mo
Today · 4.125%
HK$10,255
baseline
▲ 0.50% · 4.625%
HK$10,879
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,510/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,736
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,024
−HK$292/mo
Today · 4.125%
HK$11,316
baseline
▲ 0.50% · 4.625%
HK$11,912
+HK$596/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,632/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,580
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,940
−HK$366/mo
Today · 4.125%
HK$12,306
baseline
▲ 0.50% · 4.625%
HK$13,055
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,612/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,883
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,228
−HK$351/mo
Today · 4.125%
HK$13,579
baseline
▲ 0.50% · 4.625%
HK$14,295
+HK$716/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,158/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,510
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,930
−HK$427/mo
Today · 4.125%
HK$14,357
baseline
▲ 0.50% · 4.625%
HK$15,231
+HK$874/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,714/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,030
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,433
−HK$409/mo
Today · 4.125%
HK$15,842
baseline
▲ 0.50% · 4.625%
HK$16,677
+HK$835/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,684/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,370
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,911
−HK$548/mo
Today · 4.125%
HK$18,459
baseline
▲ 0.50% · 4.625%
HK$19,583
+HK$1,124/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,918/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,324
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,842
−HK$526/mo
Today · 4.125%
HK$20,368
baseline
▲ 0.50% · 4.625%
HK$21,442
+HK$1,074/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,736/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,506 · 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).