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$9,628
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,927
−HK$304/mo
Today · 4.125%
HK$10,231
baseline
▲ 0.50% · 4.625%
HK$10,854
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,462/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,711
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,998
−HK$291/mo
Today · 4.125%
HK$11,289
baseline
▲ 0.50% · 4.625%
HK$11,885
+HK$596/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,578/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,553
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,913
−HK$365/mo
Today · 4.125%
HK$12,278
baseline
▲ 0.50% · 4.625%
HK$13,025
+HK$747/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,556/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,853
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,198
−HK$349/mo
Today · 4.125%
HK$13,547
baseline
▲ 0.50% · 4.625%
HK$14,261
+HK$714/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,094/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,479
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,898
−HK$426/mo
Today · 4.125%
HK$14,324
baseline
▲ 0.50% · 4.625%
HK$15,196
+HK$872/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,648/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,995
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,397
−HK$408/mo
Today · 4.125%
HK$15,805
baseline
▲ 0.50% · 4.625%
HK$16,638
+HK$833/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,610/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,330
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,869
−HK$548/mo
Today · 4.125%
HK$18,417
baseline
▲ 0.50% · 4.625%
HK$19,537
+HK$1,120/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,834/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,279
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,796
−HK$525/mo
Today · 4.125%
HK$20,321
baseline
▲ 0.50% · 4.625%
HK$21,392
+HK$1,071/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,642/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,544 · 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).