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$9,608
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,907
−HK$303/mo
Today · 4.125%
HK$10,210
baseline
▲ 0.50% · 4.625%
HK$10,832
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,420/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,689
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,975
−HK$291/mo
Today · 4.125%
HK$11,266
baseline
▲ 0.50% · 4.625%
HK$11,860
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,532/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,529
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,888
−HK$364/mo
Today · 4.125%
HK$12,252
baseline
▲ 0.50% · 4.625%
HK$12,998
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,504/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,826
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,170
−HK$349/mo
Today · 4.125%
HK$13,519
baseline
▲ 0.50% · 4.625%
HK$14,232
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,038/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,451
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,869
−HK$426/mo
Today · 4.125%
HK$14,295
baseline
▲ 0.50% · 4.625%
HK$15,164
+HK$869/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,590/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,964
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,365
−HK$408/mo
Today · 4.125%
HK$15,773
baseline
▲ 0.50% · 4.625%
HK$16,604
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,546/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,294
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,832
−HK$547/mo
Today · 4.125%
HK$18,379
baseline
▲ 0.50% · 4.625%
HK$19,497
+HK$1,118/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,758/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,240
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,756
−HK$523/mo
Today · 4.125%
HK$20,279
baseline
▲ 0.50% · 4.625%
HK$21,348
+HK$1,069/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,558/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,801 · 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).