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$9,629
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,929
−HK$304/mo
Today · 4.125%
HK$10,233
baseline
▲ 0.50% · 4.625%
HK$10,856
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,466/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,712
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,000
−HK$291/mo
Today · 4.125%
HK$11,291
baseline
▲ 0.50% · 4.625%
HK$11,886
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,582/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,555
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,915
−HK$365/mo
Today · 4.125%
HK$12,280
baseline
▲ 0.50% · 4.625%
HK$13,027
+HK$747/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,560/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,855
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,200
−HK$349/mo
Today · 4.125%
HK$13,549
baseline
▲ 0.50% · 4.625%
HK$14,264
+HK$715/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,098/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,481
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,900
−HK$426/mo
Today · 4.125%
HK$14,326
baseline
▲ 0.50% · 4.625%
HK$15,198
+HK$872/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,652/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,997
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,400
−HK$408/mo
Today · 4.125%
HK$15,808
baseline
▲ 0.50% · 4.625%
HK$16,641
+HK$833/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,616/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,333
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,872
−HK$548/mo
Today · 4.125%
HK$18,420
baseline
▲ 0.50% · 4.625%
HK$19,540
+HK$1,120/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,840/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,282
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,800
−HK$524/mo
Today · 4.125%
HK$20,324
baseline
▲ 0.50% · 4.625%
HK$21,396
+HK$1,072/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,648/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,679 · 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).