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$9,616
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,915
−HK$304/mo
Today · 4.125%
HK$10,219
baseline
▲ 0.50% · 4.625%
HK$10,841
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,438/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,698
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,985
−HK$291/mo
Today · 4.125%
HK$11,276
baseline
▲ 0.50% · 4.625%
HK$11,870
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,552/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,539
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,898
−HK$365/mo
Today · 4.125%
HK$12,263
baseline
▲ 0.50% · 4.625%
HK$13,009
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,526/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,837
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,182
−HK$349/mo
Today · 4.125%
HK$13,531
baseline
▲ 0.50% · 4.625%
HK$14,244
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,062/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,462
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,881
−HK$426/mo
Today · 4.125%
HK$14,307
baseline
▲ 0.50% · 4.625%
HK$15,177
+HK$870/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$28,614/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,977
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,379
−HK$407/mo
Today · 4.125%
HK$15,786
baseline
▲ 0.50% · 4.625%
HK$16,618
+HK$832/mo
Deposit HK$1.27M · loan HK$2.95M · min. income ≈ HK$31,572/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,309
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,847
−HK$547/mo
Today · 4.125%
HK$18,394
baseline
▲ 0.50% · 4.625%
HK$19,514
+HK$1,120/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,788/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,256
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,772
−HK$524/mo
Today · 4.125%
HK$20,296
baseline
▲ 0.50% · 4.625%
HK$21,366
+HK$1,070/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,592/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,517 · 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).