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$9,603
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,902
−HK$303/mo
Today · 4.125%
HK$10,205
baseline
▲ 0.50% · 4.625%
HK$10,826
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,410/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,683
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,970
−HK$290/mo
Today · 4.125%
HK$11,260
baseline
▲ 0.50% · 4.625%
HK$11,854
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,520/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,523
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,882
−HK$364/mo
Today · 4.125%
HK$12,246
baseline
▲ 0.50% · 4.625%
HK$12,991
+HK$745/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$24,492/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,820
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,163
−HK$349/mo
Today · 4.125%
HK$13,512
baseline
▲ 0.50% · 4.625%
HK$14,224
+HK$712/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$27,024/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,444
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,862
−HK$425/mo
Today · 4.125%
HK$14,287
baseline
▲ 0.50% · 4.625%
HK$15,156
+HK$869/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,574/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,956
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,357
−HK$407/mo
Today · 4.125%
HK$15,764
baseline
▲ 0.50% · 4.625%
HK$16,595
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,528/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,285
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,823
−HK$546/mo
Today · 4.125%
HK$18,369
baseline
▲ 0.50% · 4.625%
HK$19,487
+HK$1,118/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,738/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$42,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,229
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,745
−HK$523/mo
Today · 4.125%
HK$20,268
baseline
▲ 0.50% · 4.625%
HK$21,337
+HK$1,069/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,536/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$42,357 · 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).