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$9,685
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,986
−HK$306/mo
Today · 4.125%
HK$10,292
baseline
▲ 0.50% · 4.625%
HK$10,918
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,584/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,774
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,063
−HK$293/mo
Today · 4.125%
HK$11,356
baseline
▲ 0.50% · 4.625%
HK$11,955
+HK$599/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,712/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,622
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,983
−HK$367/mo
Today · 4.125%
HK$12,350
baseline
▲ 0.50% · 4.625%
HK$13,102
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,700/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,929
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,276
−HK$352/mo
Today · 4.125%
HK$13,628
baseline
▲ 0.50% · 4.625%
HK$14,346
+HK$718/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,256/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,559
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,980
−HK$429/mo
Today · 4.125%
HK$14,409
baseline
▲ 0.50% · 4.625%
HK$15,286
+HK$877/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,818/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,084
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,488
−HK$411/mo
Today · 4.125%
HK$15,899
baseline
▲ 0.50% · 4.625%
HK$16,737
+HK$838/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,798/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,433
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,975
−HK$551/mo
Today · 4.125%
HK$18,526
baseline
▲ 0.50% · 4.625%
HK$19,653
+HK$1,127/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$37,052/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,393
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,914
−HK$527/mo
Today · 4.125%
HK$20,441
baseline
▲ 0.50% · 4.625%
HK$21,519
+HK$1,078/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$40,882/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,542 · 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).