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$9,633
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,932
−HK$305/mo
Today · 4.125%
HK$10,237
baseline
▲ 0.50% · 4.625%
HK$10,860
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,474/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,716
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,004
−HK$291/mo
Today · 4.125%
HK$11,295
baseline
▲ 0.50% · 4.625%
HK$11,891
+HK$596/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,590/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,559
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,919
−HK$365/mo
Today · 4.125%
HK$12,284
baseline
▲ 0.50% · 4.625%
HK$13,032
+HK$748/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,568/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,860
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,205
−HK$349/mo
Today · 4.125%
HK$13,554
baseline
▲ 0.50% · 4.625%
HK$14,269
+HK$715/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,108/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,486
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,905
−HK$427/mo
Today · 4.125%
HK$14,332
baseline
▲ 0.50% · 4.625%
HK$15,204
+HK$872/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,664/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,003
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,405
−HK$409/mo
Today · 4.125%
HK$15,814
baseline
▲ 0.50% · 4.625%
HK$16,647
+HK$833/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,628/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,339
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,878
−HK$548/mo
Today · 4.125%
HK$18,426
baseline
▲ 0.50% · 4.625%
HK$19,548
+HK$1,122/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,852/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,290
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,807
−HK$525/mo
Today · 4.125%
HK$20,332
baseline
▲ 0.50% · 4.625%
HK$21,403
+HK$1,071/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,664/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,990 · 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).