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$9,587
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,885
−HK$303/mo
Today · 4.125%
HK$10,188
baseline
▲ 0.50% · 4.625%
HK$10,808
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,376/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,665
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,951
−HK$290/mo
Today · 4.125%
HK$11,241
baseline
▲ 0.50% · 4.625%
HK$11,834
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,482/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,504
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,862
−HK$364/mo
Today · 4.125%
HK$12,226
baseline
▲ 0.50% · 4.625%
HK$12,969
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,452/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,798
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,142
−HK$348/mo
Today · 4.125%
HK$13,490
baseline
▲ 0.50% · 4.625%
HK$14,201
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,980/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,422
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,839
−HK$424/mo
Today · 4.125%
HK$14,263
baseline
▲ 0.50% · 4.625%
HK$15,131
+HK$868/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,526/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,931
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,332
−HK$406/mo
Today · 4.125%
HK$15,738
baseline
▲ 0.50% · 4.625%
HK$16,568
+HK$830/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,476/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,256
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,793
−HK$545/mo
Today · 4.125%
HK$18,338
baseline
▲ 0.50% · 4.625%
HK$19,454
+HK$1,116/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,676/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$40,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,197
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,712
−HK$523/mo
Today · 4.125%
HK$20,235
baseline
▲ 0.50% · 4.625%
HK$21,301
+HK$1,066/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,470/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$40,954 · 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).