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$9,645
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,945
−HK$305/mo
Today · 4.125%
HK$10,250
baseline
▲ 0.50% · 4.625%
HK$10,874
+HK$624/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,500/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,730
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,018
−HK$292/mo
Today · 4.125%
HK$11,310
baseline
▲ 0.50% · 4.625%
HK$11,906
+HK$596/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,620/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$46,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,574
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,934
−HK$366/mo
Today · 4.125%
HK$12,300
baseline
▲ 0.50% · 4.625%
HK$13,049
+HK$749/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,600/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,876
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,222
−HK$350/mo
Today · 4.125%
HK$13,572
baseline
▲ 0.50% · 4.625%
HK$14,287
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,144/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$46,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,503
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,923
−HK$427/mo
Today · 4.125%
HK$14,350
baseline
▲ 0.50% · 4.625%
HK$15,223
+HK$873/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,700/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,022
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,425
−HK$409/mo
Today · 4.125%
HK$15,834
baseline
▲ 0.50% · 4.625%
HK$16,669
+HK$835/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,668/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$46,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,362
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,902
−HK$548/mo
Today · 4.125%
HK$18,450
baseline
▲ 0.50% · 4.625%
HK$19,573
+HK$1,123/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$36,900/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$46,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,314
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,833
−HK$525/mo
Today · 4.125%
HK$20,358
baseline
▲ 0.50% · 4.625%
HK$21,431
+HK$1,073/mo
Deposit HK$423K · loan HK$3.81M · min. income ≈ HK$40,716/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$46,082 · 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).