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$9,634
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,933
−HK$305/mo
Today · 4.125%
HK$10,238
baseline
▲ 0.50% · 4.625%
HK$10,861
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,476/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,717
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,005
−HK$291/mo
Today · 4.125%
HK$11,296
baseline
▲ 0.50% · 4.625%
HK$11,892
+HK$596/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,592/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,560
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,920
−HK$365/mo
Today · 4.125%
HK$12,285
baseline
▲ 0.50% · 4.625%
HK$13,033
+HK$748/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,570/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$45,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,861
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,206
−HK$349/mo
Today · 4.125%
HK$13,555
baseline
▲ 0.50% · 4.625%
HK$14,270
+HK$715/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,110/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$45,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,487
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,906
−HK$427/mo
Today · 4.125%
HK$14,333
baseline
▲ 0.50% · 4.625%
HK$15,205
+HK$872/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,666/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,004
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,407
−HK$408/mo
Today · 4.125%
HK$15,815
baseline
▲ 0.50% · 4.625%
HK$16,648
+HK$833/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,630/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,340
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,880
−HK$548/mo
Today · 4.125%
HK$18,428
baseline
▲ 0.50% · 4.625%
HK$19,549
+HK$1,121/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,856/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,291
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,808
−HK$525/mo
Today · 4.125%
HK$20,333
baseline
▲ 0.50% · 4.625%
HK$21,405
+HK$1,072/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,666/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,054 · 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).