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$9,624
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,924
−HK$304/mo
Today · 4.125%
HK$10,228
baseline
▲ 0.50% · 4.625%
HK$10,850
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,456/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$44,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,707
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,994
−HK$292/mo
Today · 4.125%
HK$11,286
baseline
▲ 0.50% · 4.625%
HK$11,880
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,572/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$44,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,549
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,909
−HK$365/mo
Today · 4.125%
HK$12,274
baseline
▲ 0.50% · 4.625%
HK$13,020
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,548/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,849
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,193
−HK$350/mo
Today · 4.125%
HK$13,543
baseline
▲ 0.50% · 4.625%
HK$14,257
+HK$714/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,086/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,474
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,893
−HK$426/mo
Today · 4.125%
HK$14,319
baseline
▲ 0.50% · 4.625%
HK$15,190
+HK$871/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$28,638/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,990
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,392
−HK$408/mo
Today · 4.125%
HK$15,800
baseline
▲ 0.50% · 4.625%
HK$16,633
+HK$833/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$31,600/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,324
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,863
−HK$547/mo
Today · 4.125%
HK$18,410
baseline
▲ 0.50% · 4.625%
HK$19,531
+HK$1,121/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,820/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$44,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,273
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,790
−HK$524/mo
Today · 4.125%
HK$20,314
baseline
▲ 0.50% · 4.625%
HK$21,385
+HK$1,071/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,628/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$44,256 · 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).