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$9,664
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,964
−HK$306/mo
Today · 4.125%
HK$10,270
baseline
▲ 0.50% · 4.625%
HK$10,895
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,540/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,751
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,039
−HK$293/mo
Today · 4.125%
HK$11,332
baseline
▲ 0.50% · 4.625%
HK$11,929
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,664/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,596
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,957
−HK$367/mo
Today · 4.125%
HK$12,324
baseline
▲ 0.50% · 4.625%
HK$13,073
+HK$749/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$24,648/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,901
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,247
−HK$351/mo
Today · 4.125%
HK$13,598
baseline
▲ 0.50% · 4.625%
HK$14,315
+HK$717/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$27,196/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,529
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,950
−HK$427/mo
Today · 4.125%
HK$14,377
baseline
▲ 0.50% · 4.625%
HK$15,252
+HK$875/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,754/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,051
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,455
−HK$409/mo
Today · 4.125%
HK$15,864
baseline
▲ 0.50% · 4.625%
HK$16,700
+HK$836/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,728/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,395
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,936
−HK$549/mo
Today · 4.125%
HK$18,485
baseline
▲ 0.50% · 4.625%
HK$19,610
+HK$1,125/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$36,970/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,351
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,870
−HK$527/mo
Today · 4.125%
HK$20,397
baseline
▲ 0.50% · 4.625%
HK$21,472
+HK$1,075/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$40,794/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,693 · 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).