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$9,615
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,914
−HK$303/mo
Today · 4.125%
HK$10,217
baseline
▲ 0.50% · 4.625%
HK$10,839
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,434/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,696
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,983
−HK$291/mo
Today · 4.125%
HK$11,274
baseline
▲ 0.50% · 4.625%
HK$11,868
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,548/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,537
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,896
−HK$365/mo
Today · 4.125%
HK$12,261
baseline
▲ 0.50% · 4.625%
HK$13,007
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,522/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,835
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,180
−HK$349/mo
Today · 4.125%
HK$13,529
baseline
▲ 0.50% · 4.625%
HK$14,242
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,058/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,460
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,879
−HK$425/mo
Today · 4.125%
HK$14,304
baseline
▲ 0.50% · 4.625%
HK$15,175
+HK$871/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,608/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,975
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,376
−HK$408/mo
Today · 4.125%
HK$15,784
baseline
▲ 0.50% · 4.625%
HK$16,616
+HK$832/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,568/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,306
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,845
−HK$546/mo
Today · 4.125%
HK$18,391
baseline
▲ 0.50% · 4.625%
HK$19,511
+HK$1,120/mo
Deposit HK$422K · loan HK$3.79M · min. income ≈ HK$36,782/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,253
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,769
−HK$524/mo
Today · 4.125%
HK$20,293
baseline
▲ 0.50% · 4.625%
HK$21,363
+HK$1,070/mo
Deposit HK$422K · loan HK$3.79M · min. income ≈ HK$40,586/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,388 · 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).