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$9,572
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,869
−HK$303/mo
Today · 4.125%
HK$10,172
baseline
▲ 0.50% · 4.625%
HK$10,791
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,344/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,648
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,934
−HK$290/mo
Today · 4.125%
HK$11,224
baseline
▲ 0.50% · 4.625%
HK$11,815
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,448/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,486
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,843
−HK$363/mo
Today · 4.125%
HK$12,206
baseline
▲ 0.50% · 4.625%
HK$12,949
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,412/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,778
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,121
−HK$348/mo
Today · 4.125%
HK$13,469
baseline
▲ 0.50% · 4.625%
HK$14,178
+HK$709/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,938/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,400
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,817
−HK$424/mo
Today · 4.125%
HK$14,241
baseline
▲ 0.50% · 4.625%
HK$15,107
+HK$866/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,482/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,908
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,308
−HK$405/mo
Today · 4.125%
HK$15,713
baseline
▲ 0.50% · 4.625%
HK$16,542
+HK$829/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,426/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,229
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,765
−HK$545/mo
Today · 4.125%
HK$18,310
baseline
▲ 0.50% · 4.625%
HK$19,424
+HK$1,114/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,620/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,167
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,681
−HK$522/mo
Today · 4.125%
HK$20,203
baseline
▲ 0.50% · 4.625%
HK$21,268
+HK$1,065/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,406/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,633 · 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).