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$9,637
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,937
−HK$304/mo
Today · 4.125%
HK$10,241
baseline
▲ 0.50% · 4.625%
HK$10,864
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,482/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,721
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,008
−HK$292/mo
Today · 4.125%
HK$11,300
baseline
▲ 0.50% · 4.625%
HK$11,896
+HK$596/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,600/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,564
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,924
−HK$365/mo
Today · 4.125%
HK$12,289
baseline
▲ 0.50% · 4.625%
HK$13,037
+HK$748/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,578/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,865
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,210
−HK$350/mo
Today · 4.125%
HK$13,560
baseline
▲ 0.50% · 4.625%
HK$14,275
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,120/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,492
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,911
−HK$427/mo
Today · 4.125%
HK$14,338
baseline
▲ 0.50% · 4.625%
HK$15,210
+HK$872/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,676/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,009
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,412
−HK$408/mo
Today · 4.125%
HK$15,820
baseline
▲ 0.50% · 4.625%
HK$16,654
+HK$834/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,640/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,346
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,886
−HK$548/mo
Today · 4.125%
HK$18,434
baseline
▲ 0.50% · 4.625%
HK$19,556
+HK$1,122/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$36,868/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,298
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,815
−HK$525/mo
Today · 4.125%
HK$20,340
baseline
▲ 0.50% · 4.625%
HK$21,412
+HK$1,072/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$40,680/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,342 · 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).