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$9,603
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,902
−HK$303/mo
Today · 4.125%
HK$10,205
baseline
▲ 0.50% · 4.625%
HK$10,826
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,410/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,683
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,970
−HK$291/mo
Today · 4.125%
HK$11,261
baseline
▲ 0.50% · 4.625%
HK$11,854
+HK$593/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,522/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,524
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,882
−HK$364/mo
Today · 4.125%
HK$12,246
baseline
▲ 0.50% · 4.625%
HK$12,992
+HK$746/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$24,492/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,820
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,164
−HK$349/mo
Today · 4.125%
HK$13,513
baseline
▲ 0.50% · 4.625%
HK$14,225
+HK$712/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$27,026/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,444
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,863
−HK$425/mo
Today · 4.125%
HK$14,288
baseline
▲ 0.50% · 4.625%
HK$15,157
+HK$869/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,576/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,957
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,358
−HK$407/mo
Today · 4.125%
HK$15,765
baseline
▲ 0.50% · 4.625%
HK$16,596
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,530/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,286
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,823
−HK$547/mo
Today · 4.125%
HK$18,370
baseline
▲ 0.50% · 4.625%
HK$19,487
+HK$1,117/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,740/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,230
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,746
−HK$523/mo
Today · 4.125%
HK$20,269
baseline
▲ 0.50% · 4.625%
HK$21,338
+HK$1,069/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,538/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,389 · 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).