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$9,632
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,932
−HK$304/mo
Today · 4.125%
HK$10,236
baseline
▲ 0.50% · 4.625%
HK$10,859
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,472/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,716
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,003
−HK$292/mo
Today · 4.125%
HK$11,295
baseline
▲ 0.50% · 4.625%
HK$11,890
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,590/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,559
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,918
−HK$366/mo
Today · 4.125%
HK$12,284
baseline
▲ 0.50% · 4.625%
HK$13,031
+HK$747/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,568/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,859
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,204
−HK$350/mo
Today · 4.125%
HK$13,554
baseline
▲ 0.50% · 4.625%
HK$14,268
+HK$714/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,108/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,485
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,905
−HK$426/mo
Today · 4.125%
HK$14,331
baseline
▲ 0.50% · 4.625%
HK$15,203
+HK$872/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,662/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,002
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,404
−HK$409/mo
Today · 4.125%
HK$15,813
baseline
▲ 0.50% · 4.625%
HK$16,646
+HK$833/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,626/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,338
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,877
−HK$548/mo
Today · 4.125%
HK$18,425
baseline
▲ 0.50% · 4.625%
HK$19,546
+HK$1,121/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,850/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,288
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,806
−HK$525/mo
Today · 4.125%
HK$20,331
baseline
▲ 0.50% · 4.625%
HK$21,402
+HK$1,071/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,662/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,941 · 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).