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$9,557
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,854
−HK$302/mo
Today · 4.125%
HK$10,156
baseline
▲ 0.50% · 4.625%
HK$10,774
+HK$618/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,312/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,632
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,917
−HK$289/mo
Today · 4.125%
HK$11,206
baseline
▲ 0.50% · 4.625%
HK$11,797
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,412/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,468
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,825
−HK$362/mo
Today · 4.125%
HK$12,187
baseline
▲ 0.50% · 4.625%
HK$12,929
+HK$742/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$24,374/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$38,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,758
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,100
−HK$347/mo
Today · 4.125%
HK$13,447
baseline
▲ 0.50% · 4.625%
HK$14,156
+HK$709/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$26,894/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$38,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,379
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,795
−HK$423/mo
Today · 4.125%
HK$14,218
baseline
▲ 0.50% · 4.625%
HK$15,083
+HK$865/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,436/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,884
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,283
−HK$405/mo
Today · 4.125%
HK$15,688
baseline
▲ 0.50% · 4.625%
HK$16,515
+HK$827/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,376/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,202
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,737
−HK$544/mo
Today · 4.125%
HK$18,281
baseline
▲ 0.50% · 4.625%
HK$19,393
+HK$1,112/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,562/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$38,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,137
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,650
−HK$521/mo
Today · 4.125%
HK$20,171
baseline
▲ 0.50% · 4.625%
HK$21,234
+HK$1,063/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,342/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$38,307 · 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).