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$9,607
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,906
−HK$303/mo
Today · 4.125%
HK$10,209
baseline
▲ 0.50% · 4.625%
HK$10,830
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,418/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,687
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,974
−HK$291/mo
Today · 4.125%
HK$11,265
baseline
▲ 0.50% · 4.625%
HK$11,859
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,530/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,528
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,887
−HK$364/mo
Today · 4.125%
HK$12,251
baseline
▲ 0.50% · 4.625%
HK$12,997
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,502/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,825
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,169
−HK$349/mo
Today · 4.125%
HK$13,518
baseline
▲ 0.50% · 4.625%
HK$14,230
+HK$712/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,036/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,450
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,868
−HK$425/mo
Today · 4.125%
HK$14,293
baseline
▲ 0.50% · 4.625%
HK$15,163
+HK$870/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,586/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,962
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,364
−HK$407/mo
Today · 4.125%
HK$15,771
baseline
▲ 0.50% · 4.625%
HK$16,602
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,542/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,292
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,830
−HK$547/mo
Today · 4.125%
HK$18,377
baseline
▲ 0.50% · 4.625%
HK$19,495
+HK$1,118/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,754/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,237
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,753
−HK$524/mo
Today · 4.125%
HK$20,277
baseline
▲ 0.50% · 4.625%
HK$21,346
+HK$1,069/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,554/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,707 · 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).