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$9,614
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,913
−HK$303/mo
Today · 4.125%
HK$10,216
baseline
▲ 0.50% · 4.625%
HK$10,838
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,432/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,695
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,982
−HK$291/mo
Today · 4.125%
HK$11,273
baseline
▲ 0.50% · 4.625%
HK$11,867
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,546/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,536
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,895
−HK$365/mo
Today · 4.125%
HK$12,260
baseline
▲ 0.50% · 4.625%
HK$13,006
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,520/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,834
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,178
−HK$349/mo
Today · 4.125%
HK$13,527
baseline
▲ 0.50% · 4.625%
HK$14,240
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,054/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,459
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,878
−HK$425/mo
Today · 4.125%
HK$14,303
baseline
▲ 0.50% · 4.625%
HK$15,173
+HK$870/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,606/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,973
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,375
−HK$407/mo
Today · 4.125%
HK$15,782
baseline
▲ 0.50% · 4.625%
HK$16,614
+HK$832/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,564/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,304
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,843
−HK$547/mo
Today · 4.125%
HK$18,390
baseline
▲ 0.50% · 4.625%
HK$19,509
+HK$1,119/mo
Deposit HK$422K · loan HK$3.79M · min. income ≈ HK$36,780/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,251
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,767
−HK$524/mo
Today · 4.125%
HK$20,291
baseline
▲ 0.50% · 4.625%
HK$21,361
+HK$1,070/mo
Deposit HK$422K · loan HK$3.79M · min. income ≈ HK$40,582/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,300 · 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).