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$9,666
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,967
−HK$305/mo
Today · 4.125%
HK$10,272
baseline
▲ 0.50% · 4.625%
HK$10,897
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,544/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,754
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,042
−HK$293/mo
Today · 4.125%
HK$11,335
baseline
▲ 0.50% · 4.625%
HK$11,932
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,670/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,600
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,960
−HK$367/mo
Today · 4.125%
HK$12,327
baseline
▲ 0.50% · 4.625%
HK$13,077
+HK$750/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$24,654/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,904
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,250
−HK$352/mo
Today · 4.125%
HK$13,602
baseline
▲ 0.50% · 4.625%
HK$14,319
+HK$717/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$27,204/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,533
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,954
−HK$427/mo
Today · 4.125%
HK$14,381
baseline
▲ 0.50% · 4.625%
HK$15,256
+HK$875/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,762/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,055
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,459
−HK$409/mo
Today · 4.125%
HK$15,868
baseline
▲ 0.50% · 4.625%
HK$16,705
+HK$837/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,736/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,399
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,941
−HK$549/mo
Today · 4.125%
HK$18,490
baseline
▲ 0.50% · 4.625%
HK$19,615
+HK$1,125/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$36,980/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$47,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,357
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,876
−HK$526/mo
Today · 4.125%
HK$20,402
baseline
▲ 0.50% · 4.625%
HK$21,478
+HK$1,076/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,804/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$47,924 · 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).