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$9,624
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,923
−HK$304/mo
Today · 4.125%
HK$10,227
baseline
▲ 0.50% · 4.625%
HK$10,849
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,454/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$44,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,706
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,993
−HK$292/mo
Today · 4.125%
HK$11,285
baseline
▲ 0.50% · 4.625%
HK$11,879
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,570/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$44,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,548
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,908
−HK$365/mo
Today · 4.125%
HK$12,273
baseline
▲ 0.50% · 4.625%
HK$13,019
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,546/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,847
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,192
−HK$350/mo
Today · 4.125%
HK$13,542
baseline
▲ 0.50% · 4.625%
HK$14,255
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,084/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,473
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,892
−HK$426/mo
Today · 4.125%
HK$14,318
baseline
▲ 0.50% · 4.625%
HK$15,189
+HK$871/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$28,636/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,989
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,391
−HK$407/mo
Today · 4.125%
HK$15,798
baseline
▲ 0.50% · 4.625%
HK$16,631
+HK$833/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$31,596/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,322
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,861
−HK$548/mo
Today · 4.125%
HK$18,409
baseline
▲ 0.50% · 4.625%
HK$19,529
+HK$1,120/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,818/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$44,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,271
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,788
−HK$524/mo
Today · 4.125%
HK$20,312
baseline
▲ 0.50% · 4.625%
HK$21,383
+HK$1,071/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,624/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$44,182 · 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).