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$9,620
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,919
−HK$304/mo
Today · 4.125%
HK$10,223
baseline
▲ 0.50% · 4.625%
HK$10,845
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,446/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,702
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,989
−HK$291/mo
Today · 4.125%
HK$11,280
baseline
▲ 0.50% · 4.625%
HK$11,875
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,560/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,544
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,903
−HK$365/mo
Today · 4.125%
HK$12,268
baseline
▲ 0.50% · 4.625%
HK$13,014
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,536/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,842
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,187
−HK$349/mo
Today · 4.125%
HK$13,536
baseline
▲ 0.50% · 4.625%
HK$14,250
+HK$714/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,072/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,468
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,887
−HK$425/mo
Today · 4.125%
HK$14,312
baseline
▲ 0.50% · 4.625%
HK$15,183
+HK$871/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$28,624/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,983
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,384
−HK$408/mo
Today · 4.125%
HK$15,792
baseline
▲ 0.50% · 4.625%
HK$16,624
+HK$832/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$31,584/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,316
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,854
−HK$547/mo
Today · 4.125%
HK$18,401
baseline
▲ 0.50% · 4.625%
HK$19,521
+HK$1,120/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,802/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$43,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,263
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,780
−HK$524/mo
Today · 4.125%
HK$20,304
baseline
▲ 0.50% · 4.625%
HK$21,374
+HK$1,070/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,608/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$43,842 · 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).