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$9,620
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,919
−HK$304/mo
Today · 4.125%
HK$10,223
baseline
▲ 0.50% · 4.625%
HK$10,846
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,446/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,702
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,989
−HK$292/mo
Today · 4.125%
HK$11,281
baseline
▲ 0.50% · 4.625%
HK$11,875
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,562/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,544
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,903
−HK$365/mo
Today · 4.125%
HK$12,268
baseline
▲ 0.50% · 4.625%
HK$13,015
+HK$747/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,536/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,843
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,187
−HK$350/mo
Today · 4.125%
HK$13,537
baseline
▲ 0.50% · 4.625%
HK$14,250
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,074/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,468
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,887
−HK$426/mo
Today · 4.125%
HK$14,313
baseline
▲ 0.50% · 4.625%
HK$15,184
+HK$871/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$28,626/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,983
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,385
−HK$408/mo
Today · 4.125%
HK$15,793
baseline
▲ 0.50% · 4.625%
HK$16,625
+HK$832/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$31,586/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,316
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,855
−HK$547/mo
Today · 4.125%
HK$18,402
baseline
▲ 0.50% · 4.625%
HK$19,522
+HK$1,120/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,804/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$43,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,264
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,781
−HK$524/mo
Today · 4.125%
HK$20,305
baseline
▲ 0.50% · 4.625%
HK$21,375
+HK$1,070/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,610/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$43,881 · 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).