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$9,669
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,970
−HK$305/mo
Today · 4.125%
HK$10,275
baseline
▲ 0.50% · 4.625%
HK$10,900
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,550/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,757
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,045
−HK$293/mo
Today · 4.125%
HK$11,338
baseline
▲ 0.50% · 4.625%
HK$11,935
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,676/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,603
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,964
−HK$366/mo
Today · 4.125%
HK$12,330
baseline
▲ 0.50% · 4.625%
HK$13,081
+HK$751/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$24,660/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$48,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,908
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,254
−HK$351/mo
Today · 4.125%
HK$13,605
baseline
▲ 0.50% · 4.625%
HK$14,322
+HK$717/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$27,210/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$48,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,536
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,958
−HK$427/mo
Today · 4.125%
HK$14,385
baseline
▲ 0.50% · 4.625%
HK$15,261
+HK$876/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,770/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,059
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,463
−HK$410/mo
Today · 4.125%
HK$15,873
baseline
▲ 0.50% · 4.625%
HK$16,709
+HK$836/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,746/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,404
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,945
−HK$550/mo
Today · 4.125%
HK$18,495
baseline
▲ 0.50% · 4.625%
HK$19,621
+HK$1,126/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$36,990/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$48,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,362
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,881
−HK$527/mo
Today · 4.125%
HK$20,408
baseline
▲ 0.50% · 4.625%
HK$21,484
+HK$1,076/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,816/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$48,153 · 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).