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$9,598
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,896
−HK$303/mo
Today · 4.125%
HK$10,199
baseline
▲ 0.50% · 4.625%
HK$10,820
+HK$621/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,398/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$41,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,677
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,964
−HK$290/mo
Today · 4.125%
HK$11,254
baseline
▲ 0.50% · 4.625%
HK$11,847
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,508/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$41,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,517
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,875
−HK$364/mo
Today · 4.125%
HK$12,239
baseline
▲ 0.50% · 4.625%
HK$12,984
+HK$745/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$24,478/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$41,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,813
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,156
−HK$349/mo
Today · 4.125%
HK$13,505
baseline
▲ 0.50% · 4.625%
HK$14,217
+HK$712/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$27,010/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$41,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,437
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,855
−HK$424/mo
Today · 4.125%
HK$14,279
baseline
▲ 0.50% · 4.625%
HK$15,148
+HK$869/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,558/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,948
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,349
−HK$407/mo
Today · 4.125%
HK$15,756
baseline
▲ 0.50% · 4.625%
HK$16,586
+HK$830/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,512/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,276
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,813
−HK$546/mo
Today · 4.125%
HK$18,359
baseline
▲ 0.50% · 4.625%
HK$19,476
+HK$1,117/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,718/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$41,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,219
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,734
−HK$523/mo
Today · 4.125%
HK$20,257
baseline
▲ 0.50% · 4.625%
HK$21,325
+HK$1,068/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,514/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$41,901 · 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).