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$9,660
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,961
−HK$305/mo
Today · 4.125%
HK$10,266
baseline
▲ 0.50% · 4.625%
HK$10,891
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,532/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,747
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,035
−HK$293/mo
Today · 4.125%
HK$11,328
baseline
▲ 0.50% · 4.625%
HK$11,925
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,656/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,592
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,953
−HK$366/mo
Today · 4.125%
HK$12,319
baseline
▲ 0.50% · 4.625%
HK$13,069
+HK$750/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,638/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,896
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,242
−HK$351/mo
Today · 4.125%
HK$13,593
baseline
▲ 0.50% · 4.625%
HK$14,310
+HK$717/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,186/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,524
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,945
−HK$427/mo
Today · 4.125%
HK$14,372
baseline
▲ 0.50% · 4.625%
HK$15,247
+HK$875/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,744/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,046
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,449
−HK$410/mo
Today · 4.125%
HK$15,859
baseline
▲ 0.50% · 4.625%
HK$16,694
+HK$835/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,718/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,388
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,929
−HK$550/mo
Today · 4.125%
HK$18,479
baseline
▲ 0.50% · 4.625%
HK$19,603
+HK$1,124/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$36,958/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,344
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,863
−HK$527/mo
Today · 4.125%
HK$20,390
baseline
▲ 0.50% · 4.625%
HK$21,464
+HK$1,074/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$40,780/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,395 · 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).