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$9,653
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,953
−HK$305/mo
Today · 4.125%
HK$10,258
baseline
▲ 0.50% · 4.625%
HK$10,882
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,516/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,739
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,027
−HK$292/mo
Today · 4.125%
HK$11,319
baseline
▲ 0.50% · 4.625%
HK$11,916
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,638/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,583
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,944
−HK$366/mo
Today · 4.125%
HK$12,310
baseline
▲ 0.50% · 4.625%
HK$13,059
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,620/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,886
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,232
−HK$351/mo
Today · 4.125%
HK$13,583
baseline
▲ 0.50% · 4.625%
HK$14,299
+HK$716/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,166/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,514
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,934
−HK$427/mo
Today · 4.125%
HK$14,361
baseline
▲ 0.50% · 4.625%
HK$15,235
+HK$874/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,722/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,034
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,437
−HK$409/mo
Today · 4.125%
HK$15,846
baseline
▲ 0.50% · 4.625%
HK$16,682
+HK$836/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,692/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,375
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,916
−HK$549/mo
Today · 4.125%
HK$18,465
baseline
▲ 0.50% · 4.625%
HK$19,588
+HK$1,123/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,930/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,330
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,848
−HK$526/mo
Today · 4.125%
HK$20,374
baseline
▲ 0.50% · 4.625%
HK$21,448
+HK$1,074/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,748/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$46,749 · 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).