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$9,675
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,976
−HK$306/mo
Today · 4.125%
HK$10,282
baseline
▲ 0.50% · 4.625%
HK$10,907
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,564/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,763
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,052
−HK$293/mo
Today · 4.125%
HK$11,345
baseline
▲ 0.50% · 4.625%
HK$11,943
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,690/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,610
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,971
−HK$367/mo
Today · 4.125%
HK$12,338
baseline
▲ 0.50% · 4.625%
HK$13,089
+HK$751/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,676/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,916
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,262
−HK$352/mo
Today · 4.125%
HK$13,614
baseline
▲ 0.50% · 4.625%
HK$14,331
+HK$717/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,228/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$48,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,545
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,966
−HK$428/mo
Today · 4.125%
HK$14,394
baseline
▲ 0.50% · 4.625%
HK$15,270
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,788/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,069
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,473
−HK$410/mo
Today · 4.125%
HK$15,883
baseline
▲ 0.50% · 4.625%
HK$16,720
+HK$837/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,766/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,415
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,957
−HK$550/mo
Today · 4.125%
HK$18,507
baseline
▲ 0.50% · 4.625%
HK$19,633
+HK$1,126/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$37,014/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,374
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,894
−HK$527/mo
Today · 4.125%
HK$20,421
baseline
▲ 0.50% · 4.625%
HK$21,497
+HK$1,076/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,842/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$48,694 · 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).