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$9,621
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,920
−HK$304/mo
Today · 4.125%
HK$10,224
baseline
▲ 0.50% · 4.625%
HK$10,846
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,448/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,703
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,990
−HK$291/mo
Today · 4.125%
HK$11,281
baseline
▲ 0.50% · 4.625%
HK$11,876
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,562/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,545
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,904
−HK$365/mo
Today · 4.125%
HK$12,269
baseline
▲ 0.50% · 4.625%
HK$13,016
+HK$747/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,538/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,844
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,188
−HK$350/mo
Today · 4.125%
HK$13,538
baseline
▲ 0.50% · 4.625%
HK$14,251
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,076/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,469
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,888
−HK$426/mo
Today · 4.125%
HK$14,314
baseline
▲ 0.50% · 4.625%
HK$15,185
+HK$871/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$28,628/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,984
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,386
−HK$408/mo
Today · 4.125%
HK$15,794
baseline
▲ 0.50% · 4.625%
HK$16,627
+HK$833/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$31,588/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,318
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,856
−HK$548/mo
Today · 4.125%
HK$18,404
baseline
▲ 0.50% · 4.625%
HK$19,523
+HK$1,119/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,808/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$43,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,266
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,782
−HK$525/mo
Today · 4.125%
HK$20,307
baseline
▲ 0.50% · 4.625%
HK$21,377
+HK$1,070/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,614/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$43,947 · 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).