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$9,600
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,899
−HK$303/mo
Today · 4.125%
HK$10,202
baseline
▲ 0.50% · 4.625%
HK$10,823
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,404/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,680
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,966
−HK$291/mo
Today · 4.125%
HK$11,257
baseline
▲ 0.50% · 4.625%
HK$11,850
+HK$593/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,514/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,520
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,878
−HK$364/mo
Today · 4.125%
HK$12,242
baseline
▲ 0.50% · 4.625%
HK$12,987
+HK$745/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$24,484/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,816
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,160
−HK$348/mo
Today · 4.125%
HK$13,508
baseline
▲ 0.50% · 4.625%
HK$14,220
+HK$712/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$27,016/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,440
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,858
−HK$425/mo
Today · 4.125%
HK$14,283
baseline
▲ 0.50% · 4.625%
HK$15,152
+HK$869/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,566/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,952
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,353
−HK$407/mo
Today · 4.125%
HK$15,760
baseline
▲ 0.50% · 4.625%
HK$16,590
+HK$830/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,520/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,280
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,817
−HK$547/mo
Today · 4.125%
HK$18,364
baseline
▲ 0.50% · 4.625%
HK$19,481
+HK$1,117/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,728/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$42,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,224
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,739
−HK$523/mo
Today · 4.125%
HK$20,262
baseline
▲ 0.50% · 4.625%
HK$21,330
+HK$1,068/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,524/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$42,109 · 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).