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$9,609
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,908
−HK$304/mo
Today · 4.125%
HK$10,212
baseline
▲ 0.50% · 4.625%
HK$10,833
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,424/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,690
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,977
−HK$291/mo
Today · 4.125%
HK$11,268
baseline
▲ 0.50% · 4.625%
HK$11,862
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,536/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,531
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,890
−HK$364/mo
Today · 4.125%
HK$12,254
baseline
▲ 0.50% · 4.625%
HK$13,000
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,508/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,828
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,172
−HK$349/mo
Today · 4.125%
HK$13,521
baseline
▲ 0.50% · 4.625%
HK$14,234
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,042/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,453
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,871
−HK$426/mo
Today · 4.125%
HK$14,297
baseline
▲ 0.50% · 4.625%
HK$15,166
+HK$869/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,594/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,966
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,368
−HK$407/mo
Today · 4.125%
HK$15,775
baseline
▲ 0.50% · 4.625%
HK$16,606
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,550/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,297
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,835
−HK$546/mo
Today · 4.125%
HK$18,381
baseline
▲ 0.50% · 4.625%
HK$19,500
+HK$1,119/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,762/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,242
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,758
−HK$524/mo
Today · 4.125%
HK$20,282
baseline
▲ 0.50% · 4.625%
HK$21,351
+HK$1,069/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,564/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,919 · 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).