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$9,623
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,922
−HK$304/mo
Today · 4.125%
HK$10,226
baseline
▲ 0.50% · 4.625%
HK$10,849
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,452/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$44,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,706
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,993
−HK$291/mo
Today · 4.125%
HK$11,284
baseline
▲ 0.50% · 4.625%
HK$11,879
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,568/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$44,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,548
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,907
−HK$365/mo
Today · 4.125%
HK$12,272
baseline
▲ 0.50% · 4.625%
HK$13,018
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,544/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,847
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,191
−HK$350/mo
Today · 4.125%
HK$13,541
baseline
▲ 0.50% · 4.625%
HK$14,254
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,082/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,472
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,891
−HK$426/mo
Today · 4.125%
HK$14,317
baseline
▲ 0.50% · 4.625%
HK$15,188
+HK$871/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$28,634/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,988
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,390
−HK$407/mo
Today · 4.125%
HK$15,797
baseline
▲ 0.50% · 4.625%
HK$16,630
+HK$833/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$31,594/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,321
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,860
−HK$548/mo
Today · 4.125%
HK$18,408
baseline
▲ 0.50% · 4.625%
HK$19,528
+HK$1,120/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,816/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$44,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,270
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,787
−HK$524/mo
Today · 4.125%
HK$20,311
baseline
▲ 0.50% · 4.625%
HK$21,382
+HK$1,071/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,622/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$44,131 · 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).