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$9,631
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,930
−HK$305/mo
Today · 4.125%
HK$10,235
baseline
▲ 0.50% · 4.625%
HK$10,858
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,470/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,714
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,002
−HK$291/mo
Today · 4.125%
HK$11,293
baseline
▲ 0.50% · 4.625%
HK$11,888
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,586/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,557
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,916
−HK$366/mo
Today · 4.125%
HK$12,282
baseline
▲ 0.50% · 4.625%
HK$13,029
+HK$747/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,564/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,857
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,202
−HK$350/mo
Today · 4.125%
HK$13,552
baseline
▲ 0.50% · 4.625%
HK$14,266
+HK$714/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,104/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,483
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,903
−HK$426/mo
Today · 4.125%
HK$14,329
baseline
▲ 0.50% · 4.625%
HK$15,201
+HK$872/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,658/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,000
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,402
−HK$408/mo
Today · 4.125%
HK$15,810
baseline
▲ 0.50% · 4.625%
HK$16,644
+HK$834/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,620/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,335
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,875
−HK$548/mo
Today · 4.125%
HK$18,423
baseline
▲ 0.50% · 4.625%
HK$19,544
+HK$1,121/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,846/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,286
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,803
−HK$524/mo
Today · 4.125%
HK$20,327
baseline
▲ 0.50% · 4.625%
HK$21,399
+HK$1,072/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,654/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,813 · 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).