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$9,686
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,987
−HK$306/mo
Today · 4.125%
HK$10,293
baseline
▲ 0.50% · 4.625%
HK$10,920
+HK$627/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,586/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,775
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,064
−HK$294/mo
Today · 4.125%
HK$11,358
baseline
▲ 0.50% · 4.625%
HK$11,956
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,716/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,623
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,985
−HK$367/mo
Today · 4.125%
HK$12,352
baseline
▲ 0.50% · 4.625%
HK$13,104
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,704/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,931
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,277
−HK$352/mo
Today · 4.125%
HK$13,629
baseline
▲ 0.50% · 4.625%
HK$14,348
+HK$719/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,258/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,560
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,982
−HK$429/mo
Today · 4.125%
HK$14,411
baseline
▲ 0.50% · 4.625%
HK$15,287
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,822/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,086
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,490
−HK$411/mo
Today · 4.125%
HK$15,901
baseline
▲ 0.50% · 4.625%
HK$16,739
+HK$838/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,802/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,435
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,977
−HK$551/mo
Today · 4.125%
HK$18,528
baseline
▲ 0.50% · 4.625%
HK$19,655
+HK$1,127/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$37,056/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,396
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,916
−HK$528/mo
Today · 4.125%
HK$20,444
baseline
▲ 0.50% · 4.625%
HK$21,521
+HK$1,077/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$40,888/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,647 · 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).