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$9,601
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,900
−HK$303/mo
Today · 4.125%
HK$10,203
baseline
▲ 0.50% · 4.625%
HK$10,824
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,406/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,681
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,968
−HK$290/mo
Today · 4.125%
HK$11,258
baseline
▲ 0.50% · 4.625%
HK$11,852
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,516/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,521
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,880
−HK$364/mo
Today · 4.125%
HK$12,244
baseline
▲ 0.50% · 4.625%
HK$12,989
+HK$745/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$24,488/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,817
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,161
−HK$349/mo
Today · 4.125%
HK$13,510
baseline
▲ 0.50% · 4.625%
HK$14,222
+HK$712/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$27,020/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,441
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,860
−HK$424/mo
Today · 4.125%
HK$14,284
baseline
▲ 0.50% · 4.625%
HK$15,154
+HK$870/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,568/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,953
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,355
−HK$406/mo
Today · 4.125%
HK$15,761
baseline
▲ 0.50% · 4.625%
HK$16,592
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,522/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,282
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,819
−HK$547/mo
Today · 4.125%
HK$18,366
baseline
▲ 0.50% · 4.625%
HK$19,483
+HK$1,117/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,732/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$42,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,226
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,742
−HK$523/mo
Today · 4.125%
HK$20,265
baseline
▲ 0.50% · 4.625%
HK$21,333
+HK$1,068/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,530/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$42,203 · 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).