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$9,608
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,907
−HK$304/mo
Today · 4.125%
HK$10,211
baseline
▲ 0.50% · 4.625%
HK$10,832
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,422/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,689
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,976
−HK$291/mo
Today · 4.125%
HK$11,267
baseline
▲ 0.50% · 4.625%
HK$11,861
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,534/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,530
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,889
−HK$364/mo
Today · 4.125%
HK$12,253
baseline
▲ 0.50% · 4.625%
HK$12,999
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,506/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,827
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,171
−HK$349/mo
Today · 4.125%
HK$13,520
baseline
▲ 0.50% · 4.625%
HK$14,233
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,040/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,452
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,870
−HK$425/mo
Today · 4.125%
HK$14,295
baseline
▲ 0.50% · 4.625%
HK$15,165
+HK$870/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,590/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,965
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,366
−HK$407/mo
Today · 4.125%
HK$15,773
baseline
▲ 0.50% · 4.625%
HK$16,605
+HK$832/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,546/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,295
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,833
−HK$547/mo
Today · 4.125%
HK$18,380
baseline
▲ 0.50% · 4.625%
HK$19,498
+HK$1,118/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,760/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,241
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,757
−HK$523/mo
Today · 4.125%
HK$20,280
baseline
▲ 0.50% · 4.625%
HK$21,349
+HK$1,069/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,560/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,845 · 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).