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$9,652
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,952
−HK$305/mo
Today · 4.125%
HK$10,257
baseline
▲ 0.50% · 4.625%
HK$10,881
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,514/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,737
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,025
−HK$292/mo
Today · 4.125%
HK$11,317
baseline
▲ 0.50% · 4.625%
HK$11,914
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,634/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,582
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,942
−HK$366/mo
Today · 4.125%
HK$12,308
baseline
▲ 0.50% · 4.625%
HK$13,057
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,616/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,885
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,230
−HK$351/mo
Today · 4.125%
HK$13,581
baseline
▲ 0.50% · 4.625%
HK$14,297
+HK$716/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,162/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,512
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,933
−HK$427/mo
Today · 4.125%
HK$14,360
baseline
▲ 0.50% · 4.625%
HK$15,233
+HK$873/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,720/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,032
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,435
−HK$409/mo
Today · 4.125%
HK$15,844
baseline
▲ 0.50% · 4.625%
HK$16,680
+HK$836/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,688/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,373
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,913
−HK$549/mo
Today · 4.125%
HK$18,462
baseline
▲ 0.50% · 4.625%
HK$19,586
+HK$1,124/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,924/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,327
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,845
−HK$526/mo
Today · 4.125%
HK$20,371
baseline
▲ 0.50% · 4.625%
HK$21,445
+HK$1,074/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,742/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,635 · 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).