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$9,555
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,853
−HK$302/mo
Today · 4.125%
HK$10,155
baseline
▲ 0.50% · 4.625%
HK$10,773
+HK$618/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,310/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,630
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,915
−HK$290/mo
Today · 4.125%
HK$11,205
baseline
▲ 0.50% · 4.625%
HK$11,795
+HK$590/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,410/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,467
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,823
−HK$363/mo
Today · 4.125%
HK$12,186
baseline
▲ 0.50% · 4.625%
HK$12,927
+HK$741/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$24,372/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$38,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,756
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,099
−HK$347/mo
Today · 4.125%
HK$13,446
baseline
▲ 0.50% · 4.625%
HK$14,154
+HK$708/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$26,892/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$38,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,378
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,794
−HK$423/mo
Today · 4.125%
HK$14,217
baseline
▲ 0.50% · 4.625%
HK$15,082
+HK$865/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,434/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,882
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,282
−HK$405/mo
Today · 4.125%
HK$15,687
baseline
▲ 0.50% · 4.625%
HK$16,513
+HK$826/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,374/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,200
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,735
−HK$543/mo
Today · 4.125%
HK$18,278
baseline
▲ 0.50% · 4.625%
HK$19,391
+HK$1,113/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,556/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$38,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,135
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,648
−HK$520/mo
Today · 4.125%
HK$20,168
baseline
▲ 0.50% · 4.625%
HK$21,232
+HK$1,064/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,336/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$38,203 · 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).