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$9,553
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,850
−HK$302/mo
Today · 4.125%
HK$10,152
baseline
▲ 0.50% · 4.625%
HK$10,769
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,304/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,627
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,912
−HK$289/mo
Today · 4.125%
HK$11,201
baseline
▲ 0.50% · 4.625%
HK$11,792
+HK$591/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,402/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,463
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,820
−HK$362/mo
Today · 4.125%
HK$12,182
baseline
▲ 0.50% · 4.625%
HK$12,923
+HK$741/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$24,364/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,753
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,095
−HK$347/mo
Today · 4.125%
HK$13,442
baseline
▲ 0.50% · 4.625%
HK$14,150
+HK$708/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$26,884/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,374
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,790
−HK$422/mo
Today · 4.125%
HK$14,212
baseline
▲ 0.50% · 4.625%
HK$15,077
+HK$865/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,424/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,878
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,277
−HK$405/mo
Today · 4.125%
HK$15,682
baseline
▲ 0.50% · 4.625%
HK$16,509
+HK$827/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,364/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,195
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,730
−HK$543/mo
Today · 4.125%
HK$18,273
baseline
▲ 0.50% · 4.625%
HK$19,385
+HK$1,112/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,546/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$37,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,129
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,642
−HK$521/mo
Today · 4.125%
HK$20,163
baseline
▲ 0.50% · 4.625%
HK$21,225
+HK$1,062/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,326/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$37,962 · 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).