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$9,573
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,871
−HK$303/mo
Today · 4.125%
HK$10,174
baseline
▲ 0.50% · 4.625%
HK$10,793
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,348/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,650
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,936
−HK$290/mo
Today · 4.125%
HK$11,226
baseline
▲ 0.50% · 4.625%
HK$11,817
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,452/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,488
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,845
−HK$363/mo
Today · 4.125%
HK$12,208
baseline
▲ 0.50% · 4.625%
HK$12,951
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,416/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,780
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,123
−HK$348/mo
Today · 4.125%
HK$13,471
baseline
▲ 0.50% · 4.625%
HK$14,181
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,942/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,403
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,820
−HK$423/mo
Today · 4.125%
HK$14,243
baseline
▲ 0.50% · 4.625%
HK$15,110
+HK$867/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,486/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,910
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,310
−HK$406/mo
Today · 4.125%
HK$15,716
baseline
▲ 0.50% · 4.625%
HK$16,544
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,432/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,232
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,768
−HK$545/mo
Today · 4.125%
HK$18,313
baseline
▲ 0.50% · 4.625%
HK$19,427
+HK$1,114/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,626/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$39,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,171
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,685
−HK$521/mo
Today · 4.125%
HK$20,206
baseline
▲ 0.50% · 4.625%
HK$21,271
+HK$1,065/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,412/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$39,776 · 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).