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$9,689
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,990
−HK$306/mo
Today · 4.125%
HK$10,296
baseline
▲ 0.50% · 4.625%
HK$10,923
+HK$627/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,592/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,779
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,068
−HK$293/mo
Today · 4.125%
HK$11,361
baseline
▲ 0.50% · 4.625%
HK$11,960
+HK$599/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,722/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$49,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,627
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,988
−HK$368/mo
Today · 4.125%
HK$12,356
baseline
▲ 0.50% · 4.625%
HK$13,108
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,712/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,935
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,281
−HK$352/mo
Today · 4.125%
HK$13,633
baseline
▲ 0.50% · 4.625%
HK$14,352
+HK$719/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,266/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$49,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,564
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,986
−HK$429/mo
Today · 4.125%
HK$14,415
baseline
▲ 0.50% · 4.625%
HK$15,292
+HK$877/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,830/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,090
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,495
−HK$411/mo
Today · 4.125%
HK$15,906
baseline
▲ 0.50% · 4.625%
HK$16,744
+HK$838/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,812/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$49,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,440
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,983
−HK$551/mo
Today · 4.125%
HK$18,534
baseline
▲ 0.50% · 4.625%
HK$19,661
+HK$1,127/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$37,068/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$49,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,402
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,922
−HK$528/mo
Today · 4.125%
HK$20,450
baseline
▲ 0.50% · 4.625%
HK$21,528
+HK$1,078/mo
Deposit HK$425K · loan HK$3.82M · min. income ≈ HK$40,900/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$49,909 · 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).