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$9,617
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,916
−HK$304/mo
Today · 4.125%
HK$10,220
baseline
▲ 0.50% · 4.625%
HK$10,842
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,440/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,699
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,986
−HK$291/mo
Today · 4.125%
HK$11,277
baseline
▲ 0.50% · 4.625%
HK$11,872
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,554/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,541
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,900
−HK$365/mo
Today · 4.125%
HK$12,265
baseline
▲ 0.50% · 4.625%
HK$13,011
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,530/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,839
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,183
−HK$350/mo
Today · 4.125%
HK$13,533
baseline
▲ 0.50% · 4.625%
HK$14,246
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,066/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,464
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,883
−HK$426/mo
Today · 4.125%
HK$14,309
baseline
▲ 0.50% · 4.625%
HK$15,179
+HK$870/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$28,618/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,979
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,381
−HK$407/mo
Today · 4.125%
HK$15,788
baseline
▲ 0.50% · 4.625%
HK$16,620
+HK$832/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$31,576/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,311
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,850
−HK$547/mo
Today · 4.125%
HK$18,397
baseline
▲ 0.50% · 4.625%
HK$19,516
+HK$1,119/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,794/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,259
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,775
−HK$524/mo
Today · 4.125%
HK$20,299
baseline
▲ 0.50% · 4.625%
HK$21,369
+HK$1,070/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,598/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,631 · 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).