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$9,622
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,921
−HK$305/mo
Today · 4.125%
HK$10,226
baseline
▲ 0.50% · 4.625%
HK$10,848
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,452/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$44,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,705
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,992
−HK$291/mo
Today · 4.125%
HK$11,283
baseline
▲ 0.50% · 4.625%
HK$11,878
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,566/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$44,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,547
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,906
−HK$365/mo
Today · 4.125%
HK$12,271
baseline
▲ 0.50% · 4.625%
HK$13,017
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,542/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,845
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,190
−HK$349/mo
Today · 4.125%
HK$13,539
baseline
▲ 0.50% · 4.625%
HK$14,253
+HK$714/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,078/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,471
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,890
−HK$426/mo
Today · 4.125%
HK$14,316
baseline
▲ 0.50% · 4.625%
HK$15,187
+HK$871/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$28,632/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,986
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,388
−HK$408/mo
Today · 4.125%
HK$15,796
baseline
▲ 0.50% · 4.625%
HK$16,629
+HK$833/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$31,592/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,320
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,859
−HK$547/mo
Today · 4.125%
HK$18,406
baseline
▲ 0.50% · 4.625%
HK$19,526
+HK$1,120/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,812/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$44,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,268
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,785
−HK$524/mo
Today · 4.125%
HK$20,309
baseline
▲ 0.50% · 4.625%
HK$21,380
+HK$1,071/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,618/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$44,056 · 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).