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$9,639
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,938
−HK$305/mo
Today · 4.125%
HK$10,243
baseline
▲ 0.50% · 4.625%
HK$10,866
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,486/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,723
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,010
−HK$292/mo
Today · 4.125%
HK$11,302
baseline
▲ 0.50% · 4.625%
HK$11,898
+HK$596/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,604/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,566
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,926
−HK$366/mo
Today · 4.125%
HK$12,292
baseline
▲ 0.50% · 4.625%
HK$13,040
+HK$748/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,584/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,867
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,212
−HK$351/mo
Today · 4.125%
HK$13,563
baseline
▲ 0.50% · 4.625%
HK$14,277
+HK$714/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,126/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,494
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,914
−HK$426/mo
Today · 4.125%
HK$14,340
baseline
▲ 0.50% · 4.625%
HK$15,213
+HK$873/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,680/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,012
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,415
−HK$408/mo
Today · 4.125%
HK$15,823
baseline
▲ 0.50% · 4.625%
HK$16,657
+HK$834/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,646/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,349
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,889
−HK$548/mo
Today · 4.125%
HK$18,437
baseline
▲ 0.50% · 4.625%
HK$19,559
+HK$1,122/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$36,874/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,301
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,819
−HK$525/mo
Today · 4.125%
HK$20,344
baseline
▲ 0.50% · 4.625%
HK$21,416
+HK$1,072/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$40,688/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,494 · 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).