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$9,635
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,934
−HK$305/mo
Today · 4.125%
HK$10,239
baseline
▲ 0.50% · 4.625%
HK$10,862
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,478/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,719
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,006
−HK$292/mo
Today · 4.125%
HK$11,298
baseline
▲ 0.50% · 4.625%
HK$11,893
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,596/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,562
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,921
−HK$366/mo
Today · 4.125%
HK$12,287
baseline
▲ 0.50% · 4.625%
HK$13,034
+HK$747/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,574/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,862
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,207
−HK$350/mo
Today · 4.125%
HK$13,557
baseline
▲ 0.50% · 4.625%
HK$14,272
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,114/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,489
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,908
−HK$427/mo
Today · 4.125%
HK$14,335
baseline
▲ 0.50% · 4.625%
HK$15,207
+HK$872/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,670/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,006
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,408
−HK$409/mo
Today · 4.125%
HK$15,817
baseline
▲ 0.50% · 4.625%
HK$16,650
+HK$833/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,634/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,343
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,882
−HK$548/mo
Today · 4.125%
HK$18,430
baseline
▲ 0.50% · 4.625%
HK$19,552
+HK$1,122/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$36,860/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,293
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,811
−HK$525/mo
Today · 4.125%
HK$20,336
baseline
▲ 0.50% · 4.625%
HK$21,408
+HK$1,072/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$40,672/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,160 · 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).