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$9,668
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,969
−HK$306/mo
Today · 4.125%
HK$10,275
baseline
▲ 0.50% · 4.625%
HK$10,900
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,550/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,756
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,044
−HK$293/mo
Today · 4.125%
HK$11,337
baseline
▲ 0.50% · 4.625%
HK$11,935
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,674/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,602
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,963
−HK$367/mo
Today · 4.125%
HK$12,330
baseline
▲ 0.50% · 4.625%
HK$13,080
+HK$750/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$24,660/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$48,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,907
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,253
−HK$351/mo
Today · 4.125%
HK$13,604
baseline
▲ 0.50% · 4.625%
HK$14,322
+HK$718/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$27,208/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$48,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,536
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,957
−HK$427/mo
Today · 4.125%
HK$14,384
baseline
▲ 0.50% · 4.625%
HK$15,260
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,768/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,058
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,462
−HK$410/mo
Today · 4.125%
HK$15,872
baseline
▲ 0.50% · 4.625%
HK$16,708
+HK$836/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,744/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,403
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,944
−HK$550/mo
Today · 4.125%
HK$18,494
baseline
▲ 0.50% · 4.625%
HK$19,620
+HK$1,126/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$36,988/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$48,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,361
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,880
−HK$527/mo
Today · 4.125%
HK$20,407
baseline
▲ 0.50% · 4.625%
HK$21,482
+HK$1,075/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,814/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$48,103 · 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).