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$9,642
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,942
−HK$305/mo
Today · 4.125%
HK$10,247
baseline
▲ 0.50% · 4.625%
HK$10,871
+HK$624/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,494/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,727
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,015
−HK$292/mo
Today · 4.125%
HK$11,307
baseline
▲ 0.50% · 4.625%
HK$11,903
+HK$596/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,614/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,571
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,931
−HK$365/mo
Today · 4.125%
HK$12,296
baseline
▲ 0.50% · 4.625%
HK$13,045
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,592/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,872
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,218
−HK$350/mo
Today · 4.125%
HK$13,568
baseline
▲ 0.50% · 4.625%
HK$14,283
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,136/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,499
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,919
−HK$427/mo
Today · 4.125%
HK$14,346
baseline
▲ 0.50% · 4.625%
HK$15,219
+HK$873/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,692/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,018
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,421
−HK$408/mo
Today · 4.125%
HK$15,829
baseline
▲ 0.50% · 4.625%
HK$16,664
+HK$835/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,658/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,356
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,896
−HK$549/mo
Today · 4.125%
HK$18,445
baseline
▲ 0.50% · 4.625%
HK$19,567
+HK$1,122/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,890/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$45,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,309
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,827
−HK$525/mo
Today · 4.125%
HK$20,352
baseline
▲ 0.50% · 4.625%
HK$21,425
+HK$1,073/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,704/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$45,829 · 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).