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$9,615
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,915
−HK$303/mo
Today · 4.125%
HK$10,218
baseline
▲ 0.50% · 4.625%
HK$10,840
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,436/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,697
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,984
−HK$291/mo
Today · 4.125%
HK$11,275
baseline
▲ 0.50% · 4.625%
HK$11,869
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,550/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,539
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,898
−HK$364/mo
Today · 4.125%
HK$12,262
baseline
▲ 0.50% · 4.625%
HK$13,008
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,524/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,837
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,181
−HK$349/mo
Today · 4.125%
HK$13,530
baseline
▲ 0.50% · 4.625%
HK$14,243
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,060/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,462
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,880
−HK$426/mo
Today · 4.125%
HK$14,306
baseline
▲ 0.50% · 4.625%
HK$15,176
+HK$870/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$28,612/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,976
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,378
−HK$407/mo
Today · 4.125%
HK$15,785
baseline
▲ 0.50% · 4.625%
HK$16,617
+HK$832/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$31,570/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,308
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,846
−HK$547/mo
Today · 4.125%
HK$18,393
baseline
▲ 0.50% · 4.625%
HK$19,512
+HK$1,119/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,786/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,255
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,771
−HK$524/mo
Today · 4.125%
HK$20,295
baseline
▲ 0.50% · 4.625%
HK$21,365
+HK$1,070/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,590/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,470 · 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).