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$9,662
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,962
−HK$306/mo
Today · 4.125%
HK$10,268
baseline
▲ 0.50% · 4.625%
HK$10,893
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,536/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,749
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,037
−HK$292/mo
Today · 4.125%
HK$11,329
baseline
▲ 0.50% · 4.625%
HK$11,927
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,658/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,594
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,955
−HK$366/mo
Today · 4.125%
HK$12,321
baseline
▲ 0.50% · 4.625%
HK$13,071
+HK$750/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,642/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,899
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,244
−HK$351/mo
Today · 4.125%
HK$13,595
baseline
▲ 0.50% · 4.625%
HK$14,312
+HK$717/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,190/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,527
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,947
−HK$428/mo
Today · 4.125%
HK$14,375
baseline
▲ 0.50% · 4.625%
HK$15,250
+HK$875/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,750/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,048
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,452
−HK$409/mo
Today · 4.125%
HK$15,861
baseline
▲ 0.50% · 4.625%
HK$16,697
+HK$836/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,722/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,391
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,932
−HK$550/mo
Today · 4.125%
HK$18,482
baseline
▲ 0.50% · 4.625%
HK$19,607
+HK$1,125/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$36,964/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,348
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,867
−HK$526/mo
Today · 4.125%
HK$20,393
baseline
▲ 0.50% · 4.625%
HK$21,468
+HK$1,075/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$40,786/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,540 · 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).