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$9,612
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,911
−HK$304/mo
Today · 4.125%
HK$10,215
baseline
▲ 0.50% · 4.625%
HK$10,836
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,430/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,693
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,980
−HK$291/mo
Today · 4.125%
HK$11,271
baseline
▲ 0.50% · 4.625%
HK$11,865
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,542/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,534
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,893
−HK$365/mo
Today · 4.125%
HK$12,258
baseline
▲ 0.50% · 4.625%
HK$13,003
+HK$745/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,516/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,832
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,176
−HK$349/mo
Today · 4.125%
HK$13,525
baseline
▲ 0.50% · 4.625%
HK$14,238
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,050/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,457
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,875
−HK$425/mo
Today · 4.125%
HK$14,300
baseline
▲ 0.50% · 4.625%
HK$15,171
+HK$871/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,600/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,970
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,372
−HK$407/mo
Today · 4.125%
HK$15,779
baseline
▲ 0.50% · 4.625%
HK$16,611
+HK$832/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,558/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,301
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,839
−HK$547/mo
Today · 4.125%
HK$18,386
baseline
▲ 0.50% · 4.625%
HK$19,505
+HK$1,119/mo
Deposit HK$422K · loan HK$3.79M · min. income ≈ HK$36,772/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,248
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,764
−HK$523/mo
Today · 4.125%
HK$20,287
baseline
▲ 0.50% · 4.625%
HK$21,357
+HK$1,070/mo
Deposit HK$422K · loan HK$3.79M · min. income ≈ HK$40,574/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,150 · 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).