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$9,578
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,876
−HK$303/mo
Today · 4.125%
HK$10,179
baseline
▲ 0.50% · 4.625%
HK$10,798
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,358/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,656
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,941
−HK$290/mo
Today · 4.125%
HK$11,231
baseline
▲ 0.50% · 4.625%
HK$11,823
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,462/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,494
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,851
−HK$364/mo
Today · 4.125%
HK$12,215
baseline
▲ 0.50% · 4.625%
HK$12,958
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,430/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,787
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,130
−HK$348/mo
Today · 4.125%
HK$13,478
baseline
▲ 0.50% · 4.625%
HK$14,188
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,956/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,409
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,827
−HK$423/mo
Today · 4.125%
HK$14,250
baseline
▲ 0.50% · 4.625%
HK$15,117
+HK$867/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,500/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,918
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,318
−HK$406/mo
Today · 4.125%
HK$15,724
baseline
▲ 0.50% · 4.625%
HK$16,553
+HK$829/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,448/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,241
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,777
−HK$545/mo
Today · 4.125%
HK$18,322
baseline
▲ 0.50% · 4.625%
HK$19,437
+HK$1,115/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,644/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$40,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,180
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,694
−HK$522/mo
Today · 4.125%
HK$20,216
baseline
▲ 0.50% · 4.625%
HK$21,282
+HK$1,066/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,432/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$40,194 · 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).