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$9,592
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,890
−HK$303/mo
Today · 4.125%
HK$10,193
baseline
▲ 0.50% · 4.625%
HK$10,813
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,386/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,671
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,957
−HK$290/mo
Today · 4.125%
HK$11,247
baseline
▲ 0.50% · 4.625%
HK$11,840
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,494/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$41,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,510
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,868
−HK$364/mo
Today · 4.125%
HK$12,232
baseline
▲ 0.50% · 4.625%
HK$12,976
+HK$744/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,464/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,805
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,148
−HK$348/mo
Today · 4.125%
HK$13,496
baseline
▲ 0.50% · 4.625%
HK$14,208
+HK$712/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,992/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,428
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,846
−HK$424/mo
Today · 4.125%
HK$14,270
baseline
▲ 0.50% · 4.625%
HK$15,139
+HK$869/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,540/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,939
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,339
−HK$407/mo
Today · 4.125%
HK$15,746
baseline
▲ 0.50% · 4.625%
HK$16,576
+HK$830/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,492/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,265
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,802
−HK$546/mo
Today · 4.125%
HK$18,348
baseline
▲ 0.50% · 4.625%
HK$19,464
+HK$1,116/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,696/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,207
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,722
−HK$523/mo
Today · 4.125%
HK$20,245
baseline
▲ 0.50% · 4.625%
HK$21,312
+HK$1,067/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,490/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,372 · 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).