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$9,644
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,944
−HK$304/mo
Today · 4.125%
HK$10,248
baseline
▲ 0.50% · 4.625%
HK$10,872
+HK$624/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,496/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,729
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,016
−HK$292/mo
Today · 4.125%
HK$11,308
baseline
▲ 0.50% · 4.625%
HK$11,904
+HK$596/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,616/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,572
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,932
−HK$366/mo
Today · 4.125%
HK$12,298
baseline
▲ 0.50% · 4.625%
HK$13,046
+HK$748/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,596/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,874
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,220
−HK$350/mo
Today · 4.125%
HK$13,570
baseline
▲ 0.50% · 4.625%
HK$14,285
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,140/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,501
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,921
−HK$427/mo
Today · 4.125%
HK$14,348
baseline
▲ 0.50% · 4.625%
HK$15,221
+HK$873/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,696/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,020
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,423
−HK$408/mo
Today · 4.125%
HK$15,831
baseline
▲ 0.50% · 4.625%
HK$16,666
+HK$835/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,662/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,359
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,899
−HK$548/mo
Today · 4.125%
HK$18,447
baseline
▲ 0.50% · 4.625%
HK$19,570
+HK$1,123/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,894/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$45,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,311
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,829
−HK$526/mo
Today · 4.125%
HK$20,355
baseline
▲ 0.50% · 4.625%
HK$21,428
+HK$1,073/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,710/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$45,947 · 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).