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$9,607
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,906
−HK$304/mo
Today · 4.125%
HK$10,210
baseline
▲ 0.50% · 4.625%
HK$10,831
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,420/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,688
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,975
−HK$291/mo
Today · 4.125%
HK$11,266
baseline
▲ 0.50% · 4.625%
HK$11,859
+HK$593/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,532/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,529
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,888
−HK$364/mo
Today · 4.125%
HK$12,252
baseline
▲ 0.50% · 4.625%
HK$12,997
+HK$745/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,504/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,826
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,170
−HK$349/mo
Today · 4.125%
HK$13,519
baseline
▲ 0.50% · 4.625%
HK$14,231
+HK$712/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,038/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,450
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,869
−HK$425/mo
Today · 4.125%
HK$14,294
baseline
▲ 0.50% · 4.625%
HK$15,164
+HK$870/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,588/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,963
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,365
−HK$407/mo
Today · 4.125%
HK$15,772
baseline
▲ 0.50% · 4.625%
HK$16,603
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,544/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,293
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,831
−HK$547/mo
Today · 4.125%
HK$18,378
baseline
▲ 0.50% · 4.625%
HK$19,496
+HK$1,118/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,756/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,239
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,755
−HK$523/mo
Today · 4.125%
HK$20,278
baseline
▲ 0.50% · 4.625%
HK$21,347
+HK$1,069/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,556/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,763 · 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).