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$9,648
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,948
−HK$305/mo
Today · 4.125%
HK$10,253
baseline
▲ 0.50% · 4.625%
HK$10,877
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,506/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,733
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,021
−HK$292/mo
Today · 4.125%
HK$11,313
baseline
▲ 0.50% · 4.625%
HK$11,909
+HK$596/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,626/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,577
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,937
−HK$366/mo
Today · 4.125%
HK$12,303
baseline
▲ 0.50% · 4.625%
HK$13,052
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,606/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,880
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,225
−HK$351/mo
Today · 4.125%
HK$13,576
baseline
▲ 0.50% · 4.625%
HK$14,291
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,152/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,507
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,927
−HK$427/mo
Today · 4.125%
HK$14,354
baseline
▲ 0.50% · 4.625%
HK$15,227
+HK$873/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,708/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,026
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,429
−HK$409/mo
Today · 4.125%
HK$15,838
baseline
▲ 0.50% · 4.625%
HK$16,673
+HK$835/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,676/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,366
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,906
−HK$549/mo
Today · 4.125%
HK$18,455
baseline
▲ 0.50% · 4.625%
HK$19,578
+HK$1,123/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,910/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$46,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,320
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,838
−HK$525/mo
Today · 4.125%
HK$20,363
baseline
▲ 0.50% · 4.625%
HK$21,437
+HK$1,074/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,726/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$46,304 · 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).