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$9,602
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,901
−HK$303/mo
Today · 4.125%
HK$10,204
baseline
▲ 0.50% · 4.625%
HK$10,825
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,408/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,682
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,969
−HK$291/mo
Today · 4.125%
HK$11,260
baseline
▲ 0.50% · 4.625%
HK$11,853
+HK$593/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,520/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,523
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,881
−HK$364/mo
Today · 4.125%
HK$12,245
baseline
▲ 0.50% · 4.625%
HK$12,990
+HK$745/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$24,490/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,819
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,163
−HK$348/mo
Today · 4.125%
HK$13,511
baseline
▲ 0.50% · 4.625%
HK$14,224
+HK$713/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$27,022/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,443
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,861
−HK$425/mo
Today · 4.125%
HK$14,286
baseline
▲ 0.50% · 4.625%
HK$15,155
+HK$869/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,572/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,955
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,357
−HK$406/mo
Today · 4.125%
HK$15,763
baseline
▲ 0.50% · 4.625%
HK$16,594
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,526/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,284
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,822
−HK$546/mo
Today · 4.125%
HK$18,368
baseline
▲ 0.50% · 4.625%
HK$19,486
+HK$1,118/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,736/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$42,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,228
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,744
−HK$523/mo
Today · 4.125%
HK$20,267
baseline
▲ 0.50% · 4.625%
HK$21,336
+HK$1,069/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,534/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$42,311 · 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).