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$9,674
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,975
−HK$306/mo
Today · 4.125%
HK$10,281
baseline
▲ 0.50% · 4.625%
HK$10,907
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,562/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,763
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,051
−HK$293/mo
Today · 4.125%
HK$11,344
baseline
▲ 0.50% · 4.625%
HK$11,942
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,688/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,609
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,970
−HK$367/mo
Today · 4.125%
HK$12,337
baseline
▲ 0.50% · 4.625%
HK$13,088
+HK$751/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,674/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,915
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,261
−HK$352/mo
Today · 4.125%
HK$13,613
baseline
▲ 0.50% · 4.625%
HK$14,330
+HK$717/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,226/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,544
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,965
−HK$428/mo
Today · 4.125%
HK$14,393
baseline
▲ 0.50% · 4.625%
HK$15,269
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,786/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,068
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,472
−HK$410/mo
Today · 4.125%
HK$15,882
baseline
▲ 0.50% · 4.625%
HK$16,719
+HK$837/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,764/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,414
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,955
−HK$551/mo
Today · 4.125%
HK$18,506
baseline
▲ 0.50% · 4.625%
HK$19,632
+HK$1,126/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$37,012/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,373
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,892
−HK$527/mo
Today · 4.125%
HK$20,419
baseline
▲ 0.50% · 4.625%
HK$21,496
+HK$1,077/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,838/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,628 · 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).