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$9,682
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,984
−HK$306/mo
Today · 4.125%
HK$10,290
baseline
▲ 0.50% · 4.625%
HK$10,916
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,580/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,772
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,060
−HK$293/mo
Today · 4.125%
HK$11,353
baseline
▲ 0.50% · 4.625%
HK$11,952
+HK$599/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,706/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,619
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,980
−HK$367/mo
Today · 4.125%
HK$12,347
baseline
▲ 0.50% · 4.625%
HK$13,099
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,694/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,926
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,272
−HK$352/mo
Today · 4.125%
HK$13,624
baseline
▲ 0.50% · 4.625%
HK$14,342
+HK$718/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,248/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,555
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,977
−HK$428/mo
Today · 4.125%
HK$14,405
baseline
▲ 0.50% · 4.625%
HK$15,282
+HK$877/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,810/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,080
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,485
−HK$410/mo
Today · 4.125%
HK$15,895
baseline
▲ 0.50% · 4.625%
HK$16,733
+HK$838/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,790/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,428
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,970
−HK$551/mo
Today · 4.125%
HK$18,521
baseline
▲ 0.50% · 4.625%
HK$19,648
+HK$1,127/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$37,042/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,389
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,909
−HK$527/mo
Today · 4.125%
HK$20,436
baseline
▲ 0.50% · 4.625%
HK$21,513
+HK$1,077/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$40,872/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,334 · 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).