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$9,657
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,957
−HK$305/mo
Today · 4.125%
HK$10,262
baseline
▲ 0.50% · 4.625%
HK$10,887
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,524/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$47,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,743
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,031
−HK$292/mo
Today · 4.125%
HK$11,323
baseline
▲ 0.50% · 4.625%
HK$11,920
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,646/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$47,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,588
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,949
−HK$366/mo
Today · 4.125%
HK$12,315
baseline
▲ 0.50% · 4.625%
HK$13,064
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,630/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,892
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,237
−HK$351/mo
Today · 4.125%
HK$13,588
baseline
▲ 0.50% · 4.625%
HK$14,304
+HK$716/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,176/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,519
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,940
−HK$427/mo
Today · 4.125%
HK$14,367
baseline
▲ 0.50% · 4.625%
HK$15,241
+HK$874/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,734/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,040
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,444
−HK$409/mo
Today · 4.125%
HK$15,853
baseline
▲ 0.50% · 4.625%
HK$16,688
+HK$835/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,706/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,382
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,923
−HK$549/mo
Today · 4.125%
HK$18,472
baseline
▲ 0.50% · 4.625%
HK$19,596
+HK$1,124/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,944/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,337
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,856
−HK$526/mo
Today · 4.125%
HK$20,382
baseline
▲ 0.50% · 4.625%
HK$21,457
+HK$1,075/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,764/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,086 · 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).