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$9,646
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,947
−HK$304/mo
Today · 4.125%
HK$10,251
baseline
▲ 0.50% · 4.625%
HK$10,875
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,502/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,732
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,019
−HK$292/mo
Today · 4.125%
HK$11,311
baseline
▲ 0.50% · 4.625%
HK$11,908
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,622/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,576
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,936
−HK$366/mo
Today · 4.125%
HK$12,302
baseline
▲ 0.50% · 4.625%
HK$13,050
+HK$748/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,604/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,878
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,223
−HK$351/mo
Today · 4.125%
HK$13,574
baseline
▲ 0.50% · 4.625%
HK$14,289
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,148/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,505
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,925
−HK$427/mo
Today · 4.125%
HK$14,352
baseline
▲ 0.50% · 4.625%
HK$15,225
+HK$873/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,704/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,024
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,427
−HK$409/mo
Today · 4.125%
HK$15,836
baseline
▲ 0.50% · 4.625%
HK$16,671
+HK$835/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,672/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,364
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,904
−HK$549/mo
Today · 4.125%
HK$18,453
baseline
▲ 0.50% · 4.625%
HK$19,575
+HK$1,122/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,906/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$46,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,317
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,835
−HK$526/mo
Today · 4.125%
HK$20,361
baseline
▲ 0.50% · 4.625%
HK$21,434
+HK$1,073/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,722/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$46,188 · 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).