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$9,649
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,949
−HK$305/mo
Today · 4.125%
HK$10,254
baseline
▲ 0.50% · 4.625%
HK$10,877
+HK$623/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,508/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,734
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,022
−HK$292/mo
Today · 4.125%
HK$11,314
baseline
▲ 0.50% · 4.625%
HK$11,910
+HK$596/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,628/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,578
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,938
−HK$366/mo
Today · 4.125%
HK$12,304
baseline
▲ 0.50% · 4.625%
HK$13,053
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,608/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,881
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,226
−HK$351/mo
Today · 4.125%
HK$13,577
baseline
▲ 0.50% · 4.625%
HK$14,292
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,154/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,508
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,928
−HK$427/mo
Today · 4.125%
HK$14,355
baseline
▲ 0.50% · 4.625%
HK$15,228
+HK$873/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,710/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,027
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,430
−HK$409/mo
Today · 4.125%
HK$15,839
baseline
▲ 0.50% · 4.625%
HK$16,674
+HK$835/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,678/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,367
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,908
−HK$548/mo
Today · 4.125%
HK$18,456
baseline
▲ 0.50% · 4.625%
HK$19,579
+HK$1,123/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,912/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$46,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,321
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,839
−HK$526/mo
Today · 4.125%
HK$20,365
baseline
▲ 0.50% · 4.625%
HK$21,438
+HK$1,073/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,730/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$46,366 · 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).