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$9,580
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,878
−HK$303/mo
Today · 4.125%
HK$10,181
baseline
▲ 0.50% · 4.625%
HK$10,800
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,362/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,658
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,944
−HK$290/mo
Today · 4.125%
HK$11,234
baseline
▲ 0.50% · 4.625%
HK$11,826
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,468/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,496
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,854
−HK$363/mo
Today · 4.125%
HK$12,217
baseline
▲ 0.50% · 4.625%
HK$12,960
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,434/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,789
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,132
−HK$348/mo
Today · 4.125%
HK$13,480
baseline
▲ 0.50% · 4.625%
HK$14,191
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,960/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,412
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,829
−HK$424/mo
Today · 4.125%
HK$14,253
baseline
▲ 0.50% · 4.625%
HK$15,120
+HK$867/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,506/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,921
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,321
−HK$406/mo
Today · 4.125%
HK$15,727
baseline
▲ 0.50% · 4.625%
HK$16,556
+HK$829/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,454/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,244
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,780
−HK$545/mo
Today · 4.125%
HK$18,325
baseline
▲ 0.50% · 4.625%
HK$19,441
+HK$1,116/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,650/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$40,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,184
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,698
−HK$522/mo
Today · 4.125%
HK$20,220
baseline
▲ 0.50% · 4.625%
HK$21,286
+HK$1,066/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,440/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$40,361 · 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).