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$9,549
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,846
−HK$301/mo
Today · 4.125%
HK$10,147
baseline
▲ 0.50% · 4.625%
HK$10,765
+HK$618/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,294/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,623
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,908
−HK$289/mo
Today · 4.125%
HK$11,197
baseline
▲ 0.50% · 4.625%
HK$11,787
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,394/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,458
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,815
−HK$362/mo
Today · 4.125%
HK$12,177
baseline
▲ 0.50% · 4.625%
HK$12,918
+HK$741/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,354/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,747
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,089
−HK$347/mo
Today · 4.125%
HK$13,436
baseline
▲ 0.50% · 4.625%
HK$14,144
+HK$708/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,872/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,368
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,784
−HK$422/mo
Today · 4.125%
HK$14,206
baseline
▲ 0.50% · 4.625%
HK$15,071
+HK$865/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,412/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,872
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,271
−HK$404/mo
Today · 4.125%
HK$15,675
baseline
▲ 0.50% · 4.625%
HK$16,501
+HK$826/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,350/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,187
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,722
−HK$543/mo
Today · 4.125%
HK$18,265
baseline
▲ 0.50% · 4.625%
HK$19,377
+HK$1,112/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,530/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,121
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,634
−HK$520/mo
Today · 4.125%
HK$20,154
baseline
▲ 0.50% · 4.625%
HK$21,216
+HK$1,062/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,308/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,600 · 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).