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$9,575
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,873
−HK$303/mo
Today · 4.125%
HK$10,176
baseline
▲ 0.50% · 4.625%
HK$10,795
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,352/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,652
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,938
−HK$290/mo
Today · 4.125%
HK$11,228
baseline
▲ 0.50% · 4.625%
HK$11,820
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,456/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,490
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,848
−HK$363/mo
Today · 4.125%
HK$12,211
baseline
▲ 0.50% · 4.625%
HK$12,954
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,422/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,783
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,125
−HK$348/mo
Today · 4.125%
HK$13,473
baseline
▲ 0.50% · 4.625%
HK$14,183
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,946/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,405
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,822
−HK$424/mo
Today · 4.125%
HK$14,246
baseline
▲ 0.50% · 4.625%
HK$15,113
+HK$867/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,492/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,913
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,313
−HK$406/mo
Today · 4.125%
HK$15,719
baseline
▲ 0.50% · 4.625%
HK$16,547
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,438/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,235
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,771
−HK$545/mo
Today · 4.125%
HK$18,316
baseline
▲ 0.50% · 4.625%
HK$19,430
+HK$1,114/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,632/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$39,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,174
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,688
−HK$522/mo
Today · 4.125%
HK$20,210
baseline
▲ 0.50% · 4.625%
HK$21,275
+HK$1,065/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,420/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$39,926 · 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).