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$9,638
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,937
−HK$305/mo
Today · 4.125%
HK$10,242
baseline
▲ 0.50% · 4.625%
HK$10,865
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,484/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,722
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,009
−HK$292/mo
Today · 4.125%
HK$11,301
baseline
▲ 0.50% · 4.625%
HK$11,897
+HK$596/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,602/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,565
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,925
−HK$365/mo
Today · 4.125%
HK$12,290
baseline
▲ 0.50% · 4.625%
HK$13,038
+HK$748/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,580/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,866
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,211
−HK$350/mo
Today · 4.125%
HK$13,561
baseline
▲ 0.50% · 4.625%
HK$14,276
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,122/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,493
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,912
−HK$427/mo
Today · 4.125%
HK$14,339
baseline
▲ 0.50% · 4.625%
HK$15,211
+HK$872/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,678/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,011
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,413
−HK$409/mo
Today · 4.125%
HK$15,822
baseline
▲ 0.50% · 4.625%
HK$16,655
+HK$833/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,644/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,348
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,887
−HK$549/mo
Today · 4.125%
HK$18,436
baseline
▲ 0.50% · 4.625%
HK$19,557
+HK$1,121/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$36,872/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,299
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,817
−HK$525/mo
Today · 4.125%
HK$20,342
baseline
▲ 0.50% · 4.625%
HK$21,414
+HK$1,072/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$40,684/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,415 · 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).