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$9,576
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,874
−HK$303/mo
Today · 4.125%
HK$10,177
baseline
▲ 0.50% · 4.625%
HK$10,796
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,354/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,654
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,939
−HK$290/mo
Today · 4.125%
HK$11,229
baseline
▲ 0.50% · 4.625%
HK$11,821
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,458/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,492
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,849
−HK$363/mo
Today · 4.125%
HK$12,212
baseline
▲ 0.50% · 4.625%
HK$12,955
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,424/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,784
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,127
−HK$348/mo
Today · 4.125%
HK$13,475
baseline
▲ 0.50% · 4.625%
HK$14,185
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,950/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,407
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,824
−HK$424/mo
Today · 4.125%
HK$14,248
baseline
▲ 0.50% · 4.625%
HK$15,114
+HK$866/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,496/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,915
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,315
−HK$406/mo
Today · 4.125%
HK$15,721
baseline
▲ 0.50% · 4.625%
HK$16,549
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,442/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,237
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,774
−HK$544/mo
Today · 4.125%
HK$18,318
baseline
▲ 0.50% · 4.625%
HK$19,433
+HK$1,115/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,636/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$40,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,176
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,691
−HK$521/mo
Today · 4.125%
HK$20,212
baseline
▲ 0.50% · 4.625%
HK$21,278
+HK$1,066/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,424/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$40,033 · 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).