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$9,672
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,973
−HK$306/mo
Today · 4.125%
HK$10,279
baseline
▲ 0.50% · 4.625%
HK$10,904
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,558/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,760
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,049
−HK$292/mo
Today · 4.125%
HK$11,341
baseline
▲ 0.50% · 4.625%
HK$11,939
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,682/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,607
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,968
−HK$366/mo
Today · 4.125%
HK$12,334
baseline
▲ 0.50% · 4.625%
HK$13,085
+HK$751/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,668/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,912
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,258
−HK$352/mo
Today · 4.125%
HK$13,610
baseline
▲ 0.50% · 4.625%
HK$14,327
+HK$717/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,220/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,541
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,962
−HK$428/mo
Today · 4.125%
HK$14,390
baseline
▲ 0.50% · 4.625%
HK$15,266
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,780/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,064
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,468
−HK$410/mo
Today · 4.125%
HK$15,878
baseline
▲ 0.50% · 4.625%
HK$16,715
+HK$837/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,756/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,410
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,951
−HK$551/mo
Today · 4.125%
HK$18,502
baseline
▲ 0.50% · 4.625%
HK$19,627
+HK$1,125/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$37,004/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,368
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,888
−HK$527/mo
Today · 4.125%
HK$20,415
baseline
▲ 0.50% · 4.625%
HK$21,491
+HK$1,076/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,830/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,438 · 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).