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$9,656
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,956
−HK$305/mo
Today · 4.125%
HK$10,261
baseline
▲ 0.50% · 4.625%
HK$10,886
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,522/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$47,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,742
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,030
−HK$292/mo
Today · 4.125%
HK$11,322
baseline
▲ 0.50% · 4.625%
HK$11,919
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,644/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$47,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,587
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,948
−HK$366/mo
Today · 4.125%
HK$12,314
baseline
▲ 0.50% · 4.625%
HK$13,063
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,628/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,891
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,236
−HK$351/mo
Today · 4.125%
HK$13,587
baseline
▲ 0.50% · 4.625%
HK$14,303
+HK$716/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,174/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,518
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,939
−HK$427/mo
Today · 4.125%
HK$14,366
baseline
▲ 0.50% · 4.625%
HK$15,240
+HK$874/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,732/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,039
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,442
−HK$409/mo
Today · 4.125%
HK$15,851
baseline
▲ 0.50% · 4.625%
HK$16,687
+HK$836/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,702/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,381
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,921
−HK$550/mo
Today · 4.125%
HK$18,471
baseline
▲ 0.50% · 4.625%
HK$19,594
+HK$1,123/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,942/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$47,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,336
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,854
−HK$526/mo
Today · 4.125%
HK$20,380
baseline
▲ 0.50% · 4.625%
HK$21,455
+HK$1,075/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,760/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$47,016 · 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).