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$9,634
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,934
−HK$304/mo
Today · 4.125%
HK$10,238
baseline
▲ 0.50% · 4.625%
HK$10,861
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,476/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,718
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,005
−HK$292/mo
Today · 4.125%
HK$11,297
baseline
▲ 0.50% · 4.625%
HK$11,892
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,594/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,561
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,921
−HK$365/mo
Today · 4.125%
HK$12,286
baseline
▲ 0.50% · 4.625%
HK$13,034
+HK$748/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,572/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,862
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,206
−HK$350/mo
Today · 4.125%
HK$13,556
baseline
▲ 0.50% · 4.625%
HK$14,271
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,112/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,488
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,907
−HK$427/mo
Today · 4.125%
HK$14,334
baseline
▲ 0.50% · 4.625%
HK$15,206
+HK$872/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,668/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,005
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,408
−HK$408/mo
Today · 4.125%
HK$15,816
baseline
▲ 0.50% · 4.625%
HK$16,649
+HK$833/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,632/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,342
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,881
−HK$548/mo
Today · 4.125%
HK$18,429
baseline
▲ 0.50% · 4.625%
HK$19,550
+HK$1,121/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$36,858/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,292
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,810
−HK$525/mo
Today · 4.125%
HK$20,335
baseline
▲ 0.50% · 4.625%
HK$21,406
+HK$1,071/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$40,670/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,110 · 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).