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$9,610
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,909
−HK$304/mo
Today · 4.125%
HK$10,213
baseline
▲ 0.50% · 4.625%
HK$10,834
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,426/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,691
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,978
−HK$291/mo
Today · 4.125%
HK$11,269
baseline
▲ 0.50% · 4.625%
HK$11,863
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,538/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,532
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,891
−HK$364/mo
Today · 4.125%
HK$12,255
baseline
▲ 0.50% · 4.625%
HK$13,001
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,510/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,829
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,173
−HK$349/mo
Today · 4.125%
HK$13,522
baseline
▲ 0.50% · 4.625%
HK$14,235
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,044/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,454
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,873
−HK$425/mo
Today · 4.125%
HK$14,298
baseline
▲ 0.50% · 4.625%
HK$15,168
+HK$870/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,596/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,967
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,369
−HK$407/mo
Today · 4.125%
HK$15,776
baseline
▲ 0.50% · 4.625%
HK$16,608
+HK$832/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,552/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,298
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,836
−HK$547/mo
Today · 4.125%
HK$18,383
baseline
▲ 0.50% · 4.625%
HK$19,501
+HK$1,118/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,766/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,244
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,760
−HK$524/mo
Today · 4.125%
HK$20,284
baseline
▲ 0.50% · 4.625%
HK$21,353
+HK$1,069/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,568/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,991 · 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).