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$9,571
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,869
−HK$302/mo
Today · 4.125%
HK$10,171
baseline
▲ 0.50% · 4.625%
HK$10,790
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,342/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,648
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,933
−HK$290/mo
Today · 4.125%
HK$11,223
baseline
▲ 0.50% · 4.625%
HK$11,815
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,446/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,485
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,843
−HK$363/mo
Today · 4.125%
HK$12,206
baseline
▲ 0.50% · 4.625%
HK$12,948
+HK$742/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,412/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,777
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,120
−HK$348/mo
Today · 4.125%
HK$13,468
baseline
▲ 0.50% · 4.625%
HK$14,178
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,936/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,400
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,816
−HK$424/mo
Today · 4.125%
HK$14,240
baseline
▲ 0.50% · 4.625%
HK$15,106
+HK$866/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,480/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,907
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,307
−HK$405/mo
Today · 4.125%
HK$15,712
baseline
▲ 0.50% · 4.625%
HK$16,541
+HK$829/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,424/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,228
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,764
−HK$544/mo
Today · 4.125%
HK$18,308
baseline
▲ 0.50% · 4.625%
HK$19,423
+HK$1,115/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,616/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,166
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,680
−HK$522/mo
Today · 4.125%
HK$20,202
baseline
▲ 0.50% · 4.625%
HK$21,266
+HK$1,064/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,404/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,584 · 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).