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$9,623
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,922
−HK$304/mo
Today · 4.125%
HK$10,226
baseline
▲ 0.50% · 4.625%
HK$10,848
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,452/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$44,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,705
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,992
−HK$291/mo
Today · 4.125%
HK$11,283
baseline
▲ 0.50% · 4.625%
HK$11,878
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,566/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$44,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,547
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,906
−HK$365/mo
Today · 4.125%
HK$12,271
baseline
▲ 0.50% · 4.625%
HK$13,018
+HK$747/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,542/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,846
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,191
−HK$349/mo
Today · 4.125%
HK$13,540
baseline
▲ 0.50% · 4.625%
HK$14,254
+HK$714/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,080/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,472
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,891
−HK$425/mo
Today · 4.125%
HK$14,316
baseline
▲ 0.50% · 4.625%
HK$15,188
+HK$872/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$28,632/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,987
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,389
−HK$408/mo
Today · 4.125%
HK$15,797
baseline
▲ 0.50% · 4.625%
HK$16,629
+HK$832/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$31,594/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,321
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,859
−HK$548/mo
Today · 4.125%
HK$18,407
baseline
▲ 0.50% · 4.625%
HK$19,527
+HK$1,120/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,814/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$44,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,269
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,786
−HK$524/mo
Today · 4.125%
HK$20,310
baseline
▲ 0.50% · 4.625%
HK$21,381
+HK$1,071/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,620/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$44,095 · 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).