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$9,659
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,959
−HK$305/mo
Today · 4.125%
HK$10,264
baseline
▲ 0.50% · 4.625%
HK$10,889
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,528/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,745
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,033
−HK$293/mo
Today · 4.125%
HK$11,326
baseline
▲ 0.50% · 4.625%
HK$11,923
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,652/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,590
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,951
−HK$366/mo
Today · 4.125%
HK$12,317
baseline
▲ 0.50% · 4.625%
HK$13,067
+HK$750/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,634/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,894
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,240
−HK$351/mo
Today · 4.125%
HK$13,591
baseline
▲ 0.50% · 4.625%
HK$14,307
+HK$716/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,182/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,522
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,943
−HK$427/mo
Today · 4.125%
HK$14,370
baseline
▲ 0.50% · 4.625%
HK$15,244
+HK$874/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,740/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,043
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,447
−HK$409/mo
Today · 4.125%
HK$15,856
baseline
▲ 0.50% · 4.625%
HK$16,692
+HK$836/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,712/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,385
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,926
−HK$550/mo
Today · 4.125%
HK$18,476
baseline
▲ 0.50% · 4.625%
HK$19,600
+HK$1,124/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$36,952/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,341
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,860
−HK$526/mo
Today · 4.125%
HK$20,386
baseline
▲ 0.50% · 4.625%
HK$21,461
+HK$1,075/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$40,772/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,250 · 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).