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$9,604
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,903
−HK$304/mo
Today · 4.125%
HK$10,207
baseline
▲ 0.50% · 4.625%
HK$10,828
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,414/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,685
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,971
−HK$291/mo
Today · 4.125%
HK$11,262
baseline
▲ 0.50% · 4.625%
HK$11,856
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,524/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,525
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,884
−HK$364/mo
Today · 4.125%
HK$12,248
baseline
▲ 0.50% · 4.625%
HK$12,993
+HK$745/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$24,496/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,822
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,166
−HK$349/mo
Today · 4.125%
HK$13,515
baseline
▲ 0.50% · 4.625%
HK$14,227
+HK$712/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$27,030/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,446
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,864
−HK$425/mo
Today · 4.125%
HK$14,289
baseline
▲ 0.50% · 4.625%
HK$15,159
+HK$870/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,578/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,959
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,360
−HK$407/mo
Today · 4.125%
HK$15,767
baseline
▲ 0.50% · 4.625%
HK$16,598
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,534/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,288
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,826
−HK$546/mo
Today · 4.125%
HK$18,372
baseline
▲ 0.50% · 4.625%
HK$19,490
+HK$1,118/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,744/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,233
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,749
−HK$523/mo
Today · 4.125%
HK$20,272
baseline
▲ 0.50% · 4.625%
HK$21,340
+HK$1,068/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,544/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,501 · 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).