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$9,677
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,978
−HK$305/mo
Today · 4.125%
HK$10,283
baseline
▲ 0.50% · 4.625%
HK$10,909
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,566/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,765
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,054
−HK$293/mo
Today · 4.125%
HK$11,347
baseline
▲ 0.50% · 4.625%
HK$11,945
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,694/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,612
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,973
−HK$367/mo
Today · 4.125%
HK$12,340
baseline
▲ 0.50% · 4.625%
HK$13,091
+HK$751/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,680/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,918
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,265
−HK$351/mo
Today · 4.125%
HK$13,616
baseline
▲ 0.50% · 4.625%
HK$14,334
+HK$718/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,232/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,547
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,969
−HK$428/mo
Today · 4.125%
HK$14,397
baseline
▲ 0.50% · 4.625%
HK$15,273
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,794/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,071
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,475
−HK$410/mo
Today · 4.125%
HK$15,885
baseline
▲ 0.50% · 4.625%
HK$16,723
+HK$838/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,770/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,418
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,960
−HK$550/mo
Today · 4.125%
HK$18,510
baseline
▲ 0.50% · 4.625%
HK$19,636
+HK$1,126/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$37,020/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,377
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,897
−HK$527/mo
Today · 4.125%
HK$20,424
baseline
▲ 0.50% · 4.625%
HK$21,501
+HK$1,077/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,848/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,829 · 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).