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$9,591
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,889
−HK$303/mo
Today · 4.125%
HK$10,192
baseline
▲ 0.50% · 4.625%
HK$10,812
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,384/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,669
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,956
−HK$290/mo
Today · 4.125%
HK$11,246
baseline
▲ 0.50% · 4.625%
HK$11,839
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,492/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,509
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,867
−HK$363/mo
Today · 4.125%
HK$12,230
baseline
▲ 0.50% · 4.625%
HK$12,975
+HK$745/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,460/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,803
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,147
−HK$348/mo
Today · 4.125%
HK$13,495
baseline
▲ 0.50% · 4.625%
HK$14,206
+HK$711/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,990/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,427
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,844
−HK$425/mo
Today · 4.125%
HK$14,269
baseline
▲ 0.50% · 4.625%
HK$15,137
+HK$868/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,538/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,937
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,338
−HK$406/mo
Today · 4.125%
HK$15,744
baseline
▲ 0.50% · 4.625%
HK$16,574
+HK$830/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,488/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,263
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,800
−HK$546/mo
Today · 4.125%
HK$18,346
baseline
▲ 0.50% · 4.625%
HK$19,462
+HK$1,116/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,692/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,205
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,720
−HK$522/mo
Today · 4.125%
HK$20,242
baseline
▲ 0.50% · 4.625%
HK$21,310
+HK$1,068/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,484/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,283 · 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).