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$9,642
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,942
−HK$304/mo
Today · 4.125%
HK$10,246
baseline
▲ 0.50% · 4.625%
HK$10,870
+HK$624/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,492/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,726
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,014
−HK$292/mo
Today · 4.125%
HK$11,306
baseline
▲ 0.50% · 4.625%
HK$11,902
+HK$596/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,612/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,570
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,930
−HK$365/mo
Today · 4.125%
HK$12,295
baseline
▲ 0.50% · 4.625%
HK$13,044
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,590/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,871
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,217
−HK$350/mo
Today · 4.125%
HK$13,567
baseline
▲ 0.50% · 4.625%
HK$14,282
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,134/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,498
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,918
−HK$427/mo
Today · 4.125%
HK$14,345
baseline
▲ 0.50% · 4.625%
HK$15,218
+HK$873/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,690/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,017
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,419
−HK$409/mo
Today · 4.125%
HK$15,828
baseline
▲ 0.50% · 4.625%
HK$16,662
+HK$834/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,656/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,355
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,895
−HK$548/mo
Today · 4.125%
HK$18,443
baseline
▲ 0.50% · 4.625%
HK$19,565
+HK$1,122/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,886/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$45,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,307
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,825
−HK$525/mo
Today · 4.125%
HK$20,350
baseline
▲ 0.50% · 4.625%
HK$21,423
+HK$1,073/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,700/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$45,761 · 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).