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$9,670
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,971
−HK$306/mo
Today · 4.125%
HK$10,277
baseline
▲ 0.50% · 4.625%
HK$10,902
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,554/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,758
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,046
−HK$293/mo
Today · 4.125%
HK$11,339
baseline
▲ 0.50% · 4.625%
HK$11,937
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,678/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,604
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,965
−HK$367/mo
Today · 4.125%
HK$12,332
baseline
▲ 0.50% · 4.625%
HK$13,082
+HK$750/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$24,664/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$48,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,910
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,256
−HK$351/mo
Today · 4.125%
HK$13,607
baseline
▲ 0.50% · 4.625%
HK$14,324
+HK$717/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$27,214/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$48,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,538
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,959
−HK$428/mo
Today · 4.125%
HK$14,387
baseline
▲ 0.50% · 4.625%
HK$15,263
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,774/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,061
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,465
−HK$410/mo
Today · 4.125%
HK$15,875
baseline
▲ 0.50% · 4.625%
HK$16,712
+HK$837/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,750/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,406
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,948
−HK$550/mo
Today · 4.125%
HK$18,498
baseline
▲ 0.50% · 4.625%
HK$19,623
+HK$1,125/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$36,996/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$48,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,364
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,884
−HK$526/mo
Today · 4.125%
HK$20,410
baseline
▲ 0.50% · 4.625%
HK$21,486
+HK$1,076/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,820/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$48,263 · 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).