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$9,557
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,855
−HK$302/mo
Today · 4.125%
HK$10,157
baseline
▲ 0.50% · 4.625%
HK$10,775
+HK$618/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,314/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,632
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,918
−HK$289/mo
Today · 4.125%
HK$11,207
baseline
▲ 0.50% · 4.625%
HK$11,798
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,414/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,469
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,826
−HK$362/mo
Today · 4.125%
HK$12,188
baseline
▲ 0.50% · 4.625%
HK$12,930
+HK$742/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$24,376/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$38,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,759
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,101
−HK$347/mo
Today · 4.125%
HK$13,448
baseline
▲ 0.50% · 4.625%
HK$14,157
+HK$709/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$26,896/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$38,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,380
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,796
−HK$423/mo
Today · 4.125%
HK$14,219
baseline
▲ 0.50% · 4.625%
HK$15,085
+HK$866/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,438/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,885
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,285
−HK$405/mo
Today · 4.125%
HK$15,690
baseline
▲ 0.50% · 4.625%
HK$16,517
+HK$827/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,380/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,203
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,738
−HK$544/mo
Today · 4.125%
HK$18,282
baseline
▲ 0.50% · 4.625%
HK$19,394
+HK$1,112/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,564/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,138
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,652
−HK$520/mo
Today · 4.125%
HK$20,172
baseline
▲ 0.50% · 4.625%
HK$21,236
+HK$1,064/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,344/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,369 · 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).