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$9,640
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,940
−HK$304/mo
Today · 4.125%
HK$10,244
baseline
▲ 0.50% · 4.625%
HK$10,868
+HK$624/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,488/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,724
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,012
−HK$291/mo
Today · 4.125%
HK$11,303
baseline
▲ 0.50% · 4.625%
HK$11,899
+HK$596/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,606/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,568
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,927
−HK$366/mo
Today · 4.125%
HK$12,293
baseline
▲ 0.50% · 4.625%
HK$13,041
+HK$748/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,586/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,869
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,214
−HK$350/mo
Today · 4.125%
HK$13,564
baseline
▲ 0.50% · 4.625%
HK$14,279
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,128/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,496
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,915
−HK$427/mo
Today · 4.125%
HK$14,342
baseline
▲ 0.50% · 4.625%
HK$15,215
+HK$873/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,684/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,014
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,416
−HK$409/mo
Today · 4.125%
HK$15,825
baseline
▲ 0.50% · 4.625%
HK$16,659
+HK$834/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,650/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,351
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,891
−HK$549/mo
Today · 4.125%
HK$18,440
baseline
▲ 0.50% · 4.625%
HK$19,562
+HK$1,122/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$36,880/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,303
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,821
−HK$525/mo
Today · 4.125%
HK$20,346
baseline
▲ 0.50% · 4.625%
HK$21,419
+HK$1,073/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$40,692/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,593 · 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).