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$9,596
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,895
−HK$303/mo
Today · 4.125%
HK$10,198
baseline
▲ 0.50% · 4.625%
HK$10,818
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,396/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$41,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,675
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,962
−HK$290/mo
Today · 4.125%
HK$11,252
baseline
▲ 0.50% · 4.625%
HK$11,845
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,504/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$41,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,515
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,873
−HK$364/mo
Today · 4.125%
HK$12,237
baseline
▲ 0.50% · 4.625%
HK$12,982
+HK$745/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,474/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$41,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,811
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,154
−HK$349/mo
Today · 4.125%
HK$13,503
baseline
▲ 0.50% · 4.625%
HK$14,214
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$27,006/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$41,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,434
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,852
−HK$425/mo
Today · 4.125%
HK$14,277
baseline
▲ 0.50% · 4.625%
HK$15,146
+HK$869/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,554/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,946
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,347
−HK$406/mo
Today · 4.125%
HK$15,753
baseline
▲ 0.50% · 4.625%
HK$16,584
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,506/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,273
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,810
−HK$546/mo
Today · 4.125%
HK$18,356
baseline
▲ 0.50% · 4.625%
HK$19,473
+HK$1,117/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,712/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$41,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,216
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,731
−HK$523/mo
Today · 4.125%
HK$20,254
baseline
▲ 0.50% · 4.625%
HK$21,322
+HK$1,068/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,508/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$41,762 · 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).