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$9,568
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,866
−HK$302/mo
Today · 4.125%
HK$10,168
baseline
▲ 0.50% · 4.625%
HK$10,787
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,336/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,644
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,930
−HK$289/mo
Today · 4.125%
HK$11,219
baseline
▲ 0.50% · 4.625%
HK$11,811
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,438/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,482
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,839
−HK$363/mo
Today · 4.125%
HK$12,202
baseline
▲ 0.50% · 4.625%
HK$12,944
+HK$742/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,404/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,773
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,116
−HK$347/mo
Today · 4.125%
HK$13,463
baseline
▲ 0.50% · 4.625%
HK$14,173
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,926/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,395
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,812
−HK$423/mo
Today · 4.125%
HK$14,235
baseline
▲ 0.50% · 4.625%
HK$15,101
+HK$866/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,470/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,902
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,302
−HK$405/mo
Today · 4.125%
HK$15,707
baseline
▲ 0.50% · 4.625%
HK$16,535
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,414/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,222
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,758
−HK$544/mo
Today · 4.125%
HK$18,302
baseline
▲ 0.50% · 4.625%
HK$19,416
+HK$1,114/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,604/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,160
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,674
−HK$521/mo
Today · 4.125%
HK$20,195
baseline
▲ 0.50% · 4.625%
HK$21,259
+HK$1,064/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,390/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,308 · 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).