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$9,588
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,887
−HK$303/mo
Today · 4.125%
HK$10,190
baseline
▲ 0.50% · 4.625%
HK$10,810
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,380/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,667
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,953
−HK$290/mo
Today · 4.125%
HK$11,243
baseline
▲ 0.50% · 4.625%
HK$11,836
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,486/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,506
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,864
−HK$364/mo
Today · 4.125%
HK$12,228
baseline
▲ 0.50% · 4.625%
HK$12,972
+HK$744/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,456/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,800
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,144
−HK$348/mo
Today · 4.125%
HK$13,492
baseline
▲ 0.50% · 4.625%
HK$14,203
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,984/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,424
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,841
−HK$425/mo
Today · 4.125%
HK$14,266
baseline
▲ 0.50% · 4.625%
HK$15,134
+HK$868/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,532/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,934
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,334
−HK$407/mo
Today · 4.125%
HK$15,741
baseline
▲ 0.50% · 4.625%
HK$16,570
+HK$829/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,482/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,259
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,796
−HK$546/mo
Today · 4.125%
HK$18,342
baseline
▲ 0.50% · 4.625%
HK$19,458
+HK$1,116/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,684/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,201
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,716
−HK$522/mo
Today · 4.125%
HK$20,238
baseline
▲ 0.50% · 4.625%
HK$21,305
+HK$1,067/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,476/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,099 · 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).