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$9,613
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,912
−HK$304/mo
Today · 4.125%
HK$10,216
baseline
▲ 0.50% · 4.625%
HK$10,837
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,432/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,694
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,981
−HK$291/mo
Today · 4.125%
HK$11,272
baseline
▲ 0.50% · 4.625%
HK$11,866
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,544/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,535
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,894
−HK$365/mo
Today · 4.125%
HK$12,259
baseline
▲ 0.50% · 4.625%
HK$13,005
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,518/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,833
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,177
−HK$349/mo
Today · 4.125%
HK$13,526
baseline
▲ 0.50% · 4.625%
HK$14,239
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,052/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,458
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,876
−HK$426/mo
Today · 4.125%
HK$14,302
baseline
▲ 0.50% · 4.625%
HK$15,172
+HK$870/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,604/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,972
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,373
−HK$408/mo
Today · 4.125%
HK$15,781
baseline
▲ 0.50% · 4.625%
HK$16,612
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,562/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,303
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,841
−HK$547/mo
Today · 4.125%
HK$18,388
baseline
▲ 0.50% · 4.625%
HK$19,507
+HK$1,119/mo
Deposit HK$422K · loan HK$3.79M · min. income ≈ HK$36,776/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,249
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,766
−HK$523/mo
Today · 4.125%
HK$20,289
baseline
▲ 0.50% · 4.625%
HK$21,359
+HK$1,070/mo
Deposit HK$422K · loan HK$3.79M · min. income ≈ HK$40,578/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,225 · 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).