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$9,586
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,884
−HK$303/mo
Today · 4.125%
HK$10,187
baseline
▲ 0.50% · 4.625%
HK$10,807
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,374/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,665
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,951
−HK$290/mo
Today · 4.125%
HK$11,241
baseline
▲ 0.50% · 4.625%
HK$11,833
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,482/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,504
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,861
−HK$364/mo
Today · 4.125%
HK$12,225
baseline
▲ 0.50% · 4.625%
HK$12,969
+HK$744/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,450/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,798
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,141
−HK$348/mo
Today · 4.125%
HK$13,489
baseline
▲ 0.50% · 4.625%
HK$14,200
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,978/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,421
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,838
−HK$424/mo
Today · 4.125%
HK$14,262
baseline
▲ 0.50% · 4.625%
HK$15,130
+HK$868/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,524/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,931
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,331
−HK$406/mo
Today · 4.125%
HK$15,737
baseline
▲ 0.50% · 4.625%
HK$16,567
+HK$830/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,474/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,255
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,792
−HK$545/mo
Today · 4.125%
HK$18,337
baseline
▲ 0.50% · 4.625%
HK$19,453
+HK$1,116/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,674/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$40,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,196
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,711
−HK$523/mo
Today · 4.125%
HK$20,234
baseline
▲ 0.50% · 4.625%
HK$21,300
+HK$1,066/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,468/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$40,909 · 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).