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$9,681
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,983
−HK$306/mo
Today · 4.125%
HK$10,289
baseline
▲ 0.50% · 4.625%
HK$10,915
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,578/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,771
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,059
−HK$293/mo
Today · 4.125%
HK$11,352
baseline
▲ 0.50% · 4.625%
HK$11,951
+HK$599/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,704/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,618
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,979
−HK$367/mo
Today · 4.125%
HK$12,346
baseline
▲ 0.50% · 4.625%
HK$13,098
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,692/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,925
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,271
−HK$352/mo
Today · 4.125%
HK$13,623
baseline
▲ 0.50% · 4.625%
HK$14,341
+HK$718/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,246/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,554
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,976
−HK$428/mo
Today · 4.125%
HK$14,404
baseline
▲ 0.50% · 4.625%
HK$15,280
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,808/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,079
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,483
−HK$410/mo
Today · 4.125%
HK$15,893
baseline
▲ 0.50% · 4.625%
HK$16,731
+HK$838/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,786/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,427
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,969
−HK$550/mo
Today · 4.125%
HK$18,519
baseline
▲ 0.50% · 4.625%
HK$19,646
+HK$1,127/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$37,038/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,387
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,907
−HK$527/mo
Today · 4.125%
HK$20,434
baseline
▲ 0.50% · 4.625%
HK$21,511
+HK$1,077/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$40,868/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,256 · 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).