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$9,593
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,891
−HK$303/mo
Today · 4.125%
HK$10,194
baseline
▲ 0.50% · 4.625%
HK$10,815
+HK$621/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,388/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,672
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,958
−HK$291/mo
Today · 4.125%
HK$11,249
baseline
▲ 0.50% · 4.625%
HK$11,841
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,498/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,511
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,870
−HK$363/mo
Today · 4.125%
HK$12,233
baseline
▲ 0.50% · 4.625%
HK$12,978
+HK$745/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,466/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,806
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,150
−HK$348/mo
Today · 4.125%
HK$13,498
baseline
▲ 0.50% · 4.625%
HK$14,210
+HK$712/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,996/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,430
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,848
−HK$424/mo
Today · 4.125%
HK$14,272
baseline
▲ 0.50% · 4.625%
HK$15,141
+HK$869/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,544/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,941
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,341
−HK$407/mo
Today · 4.125%
HK$15,748
baseline
▲ 0.50% · 4.625%
HK$16,578
+HK$830/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,496/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,267
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,804
−HK$546/mo
Today · 4.125%
HK$18,350
baseline
▲ 0.50% · 4.625%
HK$19,467
+HK$1,117/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,700/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,210
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,725
−HK$522/mo
Today · 4.125%
HK$20,247
baseline
▲ 0.50% · 4.625%
HK$21,315
+HK$1,068/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,494/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,486 · 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).