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$9,641
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,941
−HK$305/mo
Today · 4.125%
HK$10,246
baseline
▲ 0.50% · 4.625%
HK$10,869
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,492/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,726
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,013
−HK$292/mo
Today · 4.125%
HK$11,305
baseline
▲ 0.50% · 4.625%
HK$11,901
+HK$596/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,610/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,569
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,929
−HK$366/mo
Today · 4.125%
HK$12,295
baseline
▲ 0.50% · 4.625%
HK$13,043
+HK$748/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,590/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,871
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,216
−HK$350/mo
Today · 4.125%
HK$13,566
baseline
▲ 0.50% · 4.625%
HK$14,281
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,132/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,497
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,917
−HK$427/mo
Today · 4.125%
HK$14,344
baseline
▲ 0.50% · 4.625%
HK$15,217
+HK$873/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,688/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,016
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,418
−HK$409/mo
Today · 4.125%
HK$15,827
baseline
▲ 0.50% · 4.625%
HK$16,661
+HK$834/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,654/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,354
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,894
−HK$548/mo
Today · 4.125%
HK$18,442
baseline
▲ 0.50% · 4.625%
HK$19,564
+HK$1,122/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,884/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$45,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,306
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,824
−HK$525/mo
Today · 4.125%
HK$20,349
baseline
▲ 0.50% · 4.625%
HK$21,422
+HK$1,073/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,698/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$45,709 · 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).