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$10,865
+HK$624/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$45,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,721
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,009
−HK$291/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$45,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,565
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,924
−HK$366/mo
Today · 4.125%
HK$12,290
baseline
▲ 0.50% · 4.625%
HK$13,038
+HK$748/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,580/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,364 · 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$45,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,492
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,912
−HK$426/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$45,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,010
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,412
−HK$409/mo
Today · 4.125%
HK$15,821
baseline
▲ 0.50% · 4.625%
HK$16,654
+HK$833/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,642/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,347
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,886
−HK$549/mo
Today · 4.125%
HK$18,435
baseline
▲ 0.50% · 4.625%
HK$19,556
+HK$1,121/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$36,870/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,298
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,816
−HK$525/mo
Today · 4.125%
HK$20,341
baseline
▲ 0.50% · 4.625%
HK$21,413
+HK$1,072/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$40,682/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,364 · 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).