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$9,588
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,886
−HK$303/mo
Today · 4.125%
HK$10,189
baseline
▲ 0.50% · 4.625%
HK$10,809
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,378/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,667
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,953
−HK$290/mo
Today · 4.125%
HK$11,243
baseline
▲ 0.50% · 4.625%
HK$11,836
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,486/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,506
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,864
−HK$363/mo
Today · 4.125%
HK$12,227
baseline
▲ 0.50% · 4.625%
HK$12,971
+HK$744/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,454/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,800
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,143
−HK$349/mo
Today · 4.125%
HK$13,492
baseline
▲ 0.50% · 4.625%
HK$14,203
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,984/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,423
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,841
−HK$424/mo
Today · 4.125%
HK$14,265
baseline
▲ 0.50% · 4.625%
HK$15,133
+HK$868/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,530/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,933
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,334
−HK$406/mo
Today · 4.125%
HK$15,740
baseline
▲ 0.50% · 4.625%
HK$16,570
+HK$830/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,480/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,259
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,796
−HK$545/mo
Today · 4.125%
HK$18,341
baseline
▲ 0.50% · 4.625%
HK$19,457
+HK$1,116/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,682/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,200
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,715
−HK$523/mo
Today · 4.125%
HK$20,238
baseline
▲ 0.50% · 4.625%
HK$21,304
+HK$1,066/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,476/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,075 · 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).