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$9,559
−HK$600/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$38,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,635
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,920
−HK$289/mo
Today · 4.125%
HK$11,209
baseline
▲ 0.50% · 4.625%
HK$11,800
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,418/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,471
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,828
−HK$363/mo
Today · 4.125%
HK$12,191
baseline
▲ 0.50% · 4.625%
HK$12,932
+HK$741/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$38,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,762
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,104
−HK$347/mo
Today · 4.125%
HK$13,451
baseline
▲ 0.50% · 4.625%
HK$14,160
+HK$709/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,902/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,383
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,800
−HK$422/mo
Today · 4.125%
HK$14,222
baseline
▲ 0.50% · 4.625%
HK$15,088
+HK$866/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,444/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,889
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,288
−HK$405/mo
Today · 4.125%
HK$15,693
baseline
▲ 0.50% · 4.625%
HK$16,520
+HK$827/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,386/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,207
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,742
−HK$544/mo
Today · 4.125%
HK$18,286
baseline
▲ 0.50% · 4.625%
HK$19,399
+HK$1,113/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,572/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,143
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,656
−HK$521/mo
Today · 4.125%
HK$20,177
baseline
▲ 0.50% · 4.625%
HK$21,240
+HK$1,063/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,354/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,555 · 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).