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$9,621
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,921
−HK$304/mo
Today · 4.125%
HK$10,225
baseline
▲ 0.50% · 4.625%
HK$10,847
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,450/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,704
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,991
−HK$291/mo
Today · 4.125%
HK$11,282
baseline
▲ 0.50% · 4.625%
HK$11,877
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,564/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,546
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,905
−HK$365/mo
Today · 4.125%
HK$12,270
baseline
▲ 0.50% · 4.625%
HK$13,016
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,540/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,844
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,189
−HK$349/mo
Today · 4.125%
HK$13,538
baseline
▲ 0.50% · 4.625%
HK$14,252
+HK$714/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,076/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,470
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,889
−HK$425/mo
Today · 4.125%
HK$14,314
baseline
▲ 0.50% · 4.625%
HK$15,185
+HK$871/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$28,628/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,985
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,387
−HK$408/mo
Today · 4.125%
HK$15,795
baseline
▲ 0.50% · 4.625%
HK$16,627
+HK$832/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$31,590/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,318
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,857
−HK$547/mo
Today · 4.125%
HK$18,404
baseline
▲ 0.50% · 4.625%
HK$19,524
+HK$1,120/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,808/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$43,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,266
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,783
−HK$524/mo
Today · 4.125%
HK$20,307
baseline
▲ 0.50% · 4.625%
HK$21,378
+HK$1,071/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,614/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$43,978 · 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).