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$9,687
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,988
−HK$307/mo
Today · 4.125%
HK$10,295
baseline
▲ 0.50% · 4.625%
HK$10,921
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,590/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,777
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,066
−HK$293/mo
Today · 4.125%
HK$11,359
baseline
▲ 0.50% · 4.625%
HK$11,958
+HK$599/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,718/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,624
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,986
−HK$367/mo
Today · 4.125%
HK$12,353
baseline
▲ 0.50% · 4.625%
HK$13,105
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,706/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,932
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,279
−HK$352/mo
Today · 4.125%
HK$13,631
baseline
▲ 0.50% · 4.625%
HK$14,349
+HK$718/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,262/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,562
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,984
−HK$428/mo
Today · 4.125%
HK$14,412
baseline
▲ 0.50% · 4.625%
HK$15,289
+HK$877/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,824/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,087
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,492
−HK$411/mo
Today · 4.125%
HK$15,903
baseline
▲ 0.50% · 4.625%
HK$16,741
+HK$838/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,806/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,437
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,979
−HK$551/mo
Today · 4.125%
HK$18,530
baseline
▲ 0.50% · 4.625%
HK$19,658
+HK$1,128/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$37,060/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$49,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,398
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,918
−HK$528/mo
Today · 4.125%
HK$20,446
baseline
▲ 0.50% · 4.625%
HK$21,524
+HK$1,078/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$40,892/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$49,748 · 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).