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$9,606
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,905
−HK$304/mo
Today · 4.125%
HK$10,209
baseline
▲ 0.50% · 4.625%
HK$10,830
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,418/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,687
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,973
−HK$291/mo
Today · 4.125%
HK$11,264
baseline
▲ 0.50% · 4.625%
HK$11,858
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,528/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,527
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,886
−HK$364/mo
Today · 4.125%
HK$12,250
baseline
▲ 0.50% · 4.625%
HK$12,996
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,500/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,824
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,168
−HK$349/mo
Today · 4.125%
HK$13,517
baseline
▲ 0.50% · 4.625%
HK$14,229
+HK$712/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,034/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,449
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,867
−HK$425/mo
Today · 4.125%
HK$14,292
baseline
▲ 0.50% · 4.625%
HK$15,162
+HK$870/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,584/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,961
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,363
−HK$407/mo
Today · 4.125%
HK$15,770
baseline
▲ 0.50% · 4.625%
HK$16,601
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,540/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,291
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,829
−HK$546/mo
Today · 4.125%
HK$18,375
baseline
▲ 0.50% · 4.625%
HK$19,493
+HK$1,118/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,750/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,236
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,752
−HK$523/mo
Today · 4.125%
HK$20,275
baseline
▲ 0.50% · 4.625%
HK$21,344
+HK$1,069/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,550/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,648 · 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).