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$9,554
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,851
−HK$302/mo
Today · 4.125%
HK$10,153
baseline
▲ 0.50% · 4.625%
HK$10,771
+HK$618/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,306/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,629
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,914
−HK$289/mo
Today · 4.125%
HK$11,203
baseline
▲ 0.50% · 4.625%
HK$11,793
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,406/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,465
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,821
−HK$363/mo
Today · 4.125%
HK$12,184
baseline
▲ 0.50% · 4.625%
HK$12,925
+HK$741/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$24,368/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$38,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,754
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,096
−HK$347/mo
Today · 4.125%
HK$13,443
baseline
▲ 0.50% · 4.625%
HK$14,152
+HK$709/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$26,886/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$38,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,375
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,792
−HK$422/mo
Today · 4.125%
HK$14,214
baseline
▲ 0.50% · 4.625%
HK$15,079
+HK$865/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,428/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,880
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,279
−HK$405/mo
Today · 4.125%
HK$15,684
baseline
▲ 0.50% · 4.625%
HK$16,511
+HK$827/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,368/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,197
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,732
−HK$543/mo
Today · 4.125%
HK$18,275
baseline
▲ 0.50% · 4.625%
HK$19,387
+HK$1,112/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,550/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$38,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,132
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,645
−HK$520/mo
Today · 4.125%
HK$20,165
baseline
▲ 0.50% · 4.625%
HK$21,228
+HK$1,063/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,330/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$38,070 · 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).