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$9,681
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,982
−HK$306/mo
Today · 4.125%
HK$10,288
baseline
▲ 0.50% · 4.625%
HK$10,914
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,576/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,770
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,058
−HK$293/mo
Today · 4.125%
HK$11,351
baseline
▲ 0.50% · 4.625%
HK$11,950
+HK$599/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,702/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,617
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,978
−HK$367/mo
Today · 4.125%
HK$12,345
baseline
▲ 0.50% · 4.625%
HK$13,096
+HK$751/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,690/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,924
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,270
−HK$352/mo
Today · 4.125%
HK$13,622
baseline
▲ 0.50% · 4.625%
HK$14,340
+HK$718/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,244/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,553
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,974
−HK$429/mo
Today · 4.125%
HK$14,403
baseline
▲ 0.50% · 4.625%
HK$15,279
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,806/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,077
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,482
−HK$410/mo
Today · 4.125%
HK$15,892
baseline
▲ 0.50% · 4.625%
HK$16,730
+HK$838/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,784/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,425
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,967
−HK$551/mo
Today · 4.125%
HK$18,518
baseline
▲ 0.50% · 4.625%
HK$19,645
+HK$1,127/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$37,036/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,385
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,905
−HK$528/mo
Today · 4.125%
HK$20,433
baseline
▲ 0.50% · 4.625%
HK$21,510
+HK$1,077/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$40,866/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,185 · 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).