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$9,640
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,940
−HK$305/mo
Today · 4.125%
HK$10,245
baseline
▲ 0.50% · 4.625%
HK$10,868
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,490/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,725
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,012
−HK$292/mo
Today · 4.125%
HK$11,304
baseline
▲ 0.50% · 4.625%
HK$11,900
+HK$596/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,608/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,568
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,928
−HK$366/mo
Today · 4.125%
HK$12,294
baseline
▲ 0.50% · 4.625%
HK$13,042
+HK$748/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,588/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,870
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,215
−HK$350/mo
Today · 4.125%
HK$13,565
baseline
▲ 0.50% · 4.625%
HK$14,280
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,130/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,496
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,916
−HK$427/mo
Today · 4.125%
HK$14,343
baseline
▲ 0.50% · 4.625%
HK$15,215
+HK$872/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,686/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,014
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,417
−HK$409/mo
Today · 4.125%
HK$15,826
baseline
▲ 0.50% · 4.625%
HK$16,660
+HK$834/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,652/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,352
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,892
−HK$548/mo
Today · 4.125%
HK$18,440
baseline
▲ 0.50% · 4.625%
HK$19,563
+HK$1,123/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$36,880/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,304
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,822
−HK$525/mo
Today · 4.125%
HK$20,347
baseline
▲ 0.50% · 4.625%
HK$21,420
+HK$1,073/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$40,694/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,636 · 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).