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$9,560
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,857
−HK$302/mo
Today · 4.125%
HK$10,159
baseline
▲ 0.50% · 4.625%
HK$10,777
+HK$618/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,318/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,635
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,920
−HK$290/mo
Today · 4.125%
HK$11,210
baseline
▲ 0.50% · 4.625%
HK$11,801
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,420/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,472
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,829
−HK$362/mo
Today · 4.125%
HK$12,191
baseline
▲ 0.50% · 4.625%
HK$12,933
+HK$742/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,382/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,762
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,105
−HK$347/mo
Today · 4.125%
HK$13,452
baseline
▲ 0.50% · 4.625%
HK$14,161
+HK$709/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,904/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,384
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,800
−HK$423/mo
Today · 4.125%
HK$14,223
baseline
▲ 0.50% · 4.625%
HK$15,088
+HK$865/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,446/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,889
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,289
−HK$405/mo
Today · 4.125%
HK$15,694
baseline
▲ 0.50% · 4.625%
HK$16,521
+HK$827/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,388/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,208
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,743
−HK$544/mo
Today · 4.125%
HK$18,287
baseline
▲ 0.50% · 4.625%
HK$19,399
+HK$1,112/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,574/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,143
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,657
−HK$521/mo
Today · 4.125%
HK$20,178
baseline
▲ 0.50% · 4.625%
HK$21,241
+HK$1,063/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,356/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,588 · 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).