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$9,566
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,863
−HK$303/mo
Today · 4.125%
HK$10,166
baseline
▲ 0.50% · 4.625%
HK$10,784
+HK$618/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,332/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,642
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,927
−HK$290/mo
Today · 4.125%
HK$11,217
baseline
▲ 0.50% · 4.625%
HK$11,808
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,434/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,479
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,836
−HK$363/mo
Today · 4.125%
HK$12,199
baseline
▲ 0.50% · 4.625%
HK$12,941
+HK$742/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,398/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,770
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,113
−HK$347/mo
Today · 4.125%
HK$13,460
baseline
▲ 0.50% · 4.625%
HK$14,170
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,920/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,392
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,809
−HK$423/mo
Today · 4.125%
HK$14,232
baseline
▲ 0.50% · 4.625%
HK$15,098
+HK$866/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,464/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,899
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,298
−HK$406/mo
Today · 4.125%
HK$15,704
baseline
▲ 0.50% · 4.625%
HK$16,531
+HK$827/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,408/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,219
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,754
−HK$544/mo
Today · 4.125%
HK$18,298
baseline
▲ 0.50% · 4.625%
HK$19,412
+HK$1,114/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,596/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,155
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,669
−HK$521/mo
Today · 4.125%
HK$20,190
baseline
▲ 0.50% · 4.625%
HK$21,255
+HK$1,065/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,380/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,118 · 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).