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$9,619
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,918
−HK$304/mo
Today · 4.125%
HK$10,222
baseline
▲ 0.50% · 4.625%
HK$10,844
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,444/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,701
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,988
−HK$291/mo
Today · 4.125%
HK$11,279
baseline
▲ 0.50% · 4.625%
HK$11,873
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,558/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,542
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,901
−HK$365/mo
Today · 4.125%
HK$12,266
baseline
▲ 0.50% · 4.625%
HK$13,013
+HK$747/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,532/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,841
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,185
−HK$350/mo
Today · 4.125%
HK$13,535
baseline
▲ 0.50% · 4.625%
HK$14,248
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,070/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,466
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,885
−HK$426/mo
Today · 4.125%
HK$14,311
baseline
▲ 0.50% · 4.625%
HK$15,181
+HK$870/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$28,622/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,981
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,383
−HK$407/mo
Today · 4.125%
HK$15,790
baseline
▲ 0.50% · 4.625%
HK$16,623
+HK$833/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$31,580/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,314
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,852
−HK$547/mo
Today · 4.125%
HK$18,399
baseline
▲ 0.50% · 4.625%
HK$19,519
+HK$1,120/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,798/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$43,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,261
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,778
−HK$524/mo
Today · 4.125%
HK$20,302
baseline
▲ 0.50% · 4.625%
HK$21,372
+HK$1,070/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,604/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$43,747 · 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).