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$9,678
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,979
−HK$306/mo
Today · 4.125%
HK$10,285
baseline
▲ 0.50% · 4.625%
HK$10,911
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,570/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,766
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,055
−HK$293/mo
Today · 4.125%
HK$11,348
baseline
▲ 0.50% · 4.625%
HK$11,946
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,696/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,613
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,975
−HK$367/mo
Today · 4.125%
HK$12,342
baseline
▲ 0.50% · 4.625%
HK$13,093
+HK$751/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,684/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,920
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,266
−HK$352/mo
Today · 4.125%
HK$13,618
baseline
▲ 0.50% · 4.625%
HK$14,336
+HK$718/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,236/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,549
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,970
−HK$429/mo
Today · 4.125%
HK$14,399
baseline
▲ 0.50% · 4.625%
HK$15,275
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,798/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,073
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,477
−HK$410/mo
Today · 4.125%
HK$15,887
baseline
▲ 0.50% · 4.625%
HK$16,725
+HK$838/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,774/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,420
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,962
−HK$550/mo
Today · 4.125%
HK$18,512
baseline
▲ 0.50% · 4.625%
HK$19,639
+HK$1,127/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$37,024/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,380
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,899
−HK$528/mo
Today · 4.125%
HK$20,427
baseline
▲ 0.50% · 4.625%
HK$21,503
+HK$1,076/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,854/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,937 · 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).