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$9,674
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,975
−HK$305/mo
Today · 4.125%
HK$10,280
baseline
▲ 0.50% · 4.625%
HK$10,906
+HK$626/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,560/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,762
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,051
−HK$292/mo
Today · 4.125%
HK$11,343
baseline
▲ 0.50% · 4.625%
HK$11,941
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,686/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,608
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,970
−HK$366/mo
Today · 4.125%
HK$12,336
baseline
▲ 0.50% · 4.625%
HK$13,087
+HK$751/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,672/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,914
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,261
−HK$351/mo
Today · 4.125%
HK$13,612
baseline
▲ 0.50% · 4.625%
HK$14,329
+HK$717/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,224/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,543
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,964
−HK$428/mo
Today · 4.125%
HK$14,392
baseline
▲ 0.50% · 4.625%
HK$15,268
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,784/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,067
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,471
−HK$410/mo
Today · 4.125%
HK$15,881
baseline
▲ 0.50% · 4.625%
HK$16,718
+HK$837/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,762/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,413
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,954
−HK$551/mo
Today · 4.125%
HK$18,505
baseline
▲ 0.50% · 4.625%
HK$19,631
+HK$1,126/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$37,010/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,371
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,891
−HK$527/mo
Today · 4.125%
HK$20,418
baseline
▲ 0.50% · 4.625%
HK$21,494
+HK$1,076/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,836/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,574 · 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).