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$9,603
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,902
−HK$304/mo
Today · 4.125%
HK$10,206
baseline
▲ 0.50% · 4.625%
HK$10,827
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,412/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,684
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,970
−HK$291/mo
Today · 4.125%
HK$11,261
baseline
▲ 0.50% · 4.625%
HK$11,855
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,522/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,524
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,883
−HK$364/mo
Today · 4.125%
HK$12,247
baseline
▲ 0.50% · 4.625%
HK$12,992
+HK$745/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$24,494/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,821
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,164
−HK$349/mo
Today · 4.125%
HK$13,513
baseline
▲ 0.50% · 4.625%
HK$14,225
+HK$712/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$27,026/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,445
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,863
−HK$425/mo
Today · 4.125%
HK$14,288
baseline
▲ 0.50% · 4.625%
HK$15,157
+HK$869/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,576/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,957
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,358
−HK$407/mo
Today · 4.125%
HK$15,765
baseline
▲ 0.50% · 4.625%
HK$16,596
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,530/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,286
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,824
−HK$546/mo
Today · 4.125%
HK$18,370
baseline
▲ 0.50% · 4.625%
HK$19,488
+HK$1,118/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,740/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,231
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,747
−HK$523/mo
Today · 4.125%
HK$20,270
baseline
▲ 0.50% · 4.625%
HK$21,338
+HK$1,068/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,540/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,416 · 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).