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$9,659
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,959
−HK$306/mo
Today · 4.125%
HK$10,265
baseline
▲ 0.50% · 4.625%
HK$10,889
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,530/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,745
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,034
−HK$292/mo
Today · 4.125%
HK$11,326
baseline
▲ 0.50% · 4.625%
HK$11,923
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,652/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,591
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,951
−HK$367/mo
Today · 4.125%
HK$12,318
baseline
▲ 0.50% · 4.625%
HK$13,067
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,636/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,895
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,240
−HK$351/mo
Today · 4.125%
HK$13,591
baseline
▲ 0.50% · 4.625%
HK$14,308
+HK$717/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,182/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,523
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,943
−HK$428/mo
Today · 4.125%
HK$14,371
baseline
▲ 0.50% · 4.625%
HK$15,245
+HK$874/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,742/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,044
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,447
−HK$409/mo
Today · 4.125%
HK$15,856
baseline
▲ 0.50% · 4.625%
HK$16,692
+HK$836/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,712/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,386
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,927
−HK$549/mo
Today · 4.125%
HK$18,476
baseline
▲ 0.50% · 4.625%
HK$19,601
+HK$1,125/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$36,952/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,342
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,861
−HK$526/mo
Today · 4.125%
HK$20,387
baseline
▲ 0.50% · 4.625%
HK$21,462
+HK$1,075/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$40,774/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,283 · 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).