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$9,507
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,803
−HK$301/mo
Today · 4.125%
HK$10,104
baseline
▲ 0.50% · 4.625%
HK$10,718
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,208/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,577
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,861
−HK$287/mo
Today · 4.125%
HK$11,148
baseline
▲ 0.50% · 4.625%
HK$11,736
+HK$588/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,296/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,409
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,764
−HK$360/mo
Today · 4.125%
HK$12,124
baseline
▲ 0.50% · 4.625%
HK$12,862
+HK$738/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,248/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,692
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,033
−HK$345/mo
Today · 4.125%
HK$13,378
baseline
▲ 0.50% · 4.625%
HK$14,083
+HK$705/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,756/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,310
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,724
−HK$421/mo
Today · 4.125%
HK$14,145
baseline
▲ 0.50% · 4.625%
HK$15,006
+HK$861/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,290/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,808
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,205
−HK$403/mo
Today · 4.125%
HK$15,608
baseline
▲ 0.50% · 4.625%
HK$16,430
+HK$822/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,216/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,113
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,646
−HK$540/mo
Today · 4.125%
HK$18,186
baseline
▲ 0.50% · 4.625%
HK$19,293
+HK$1,107/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,372/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$33,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,038
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,549
−HK$518/mo
Today · 4.125%
HK$20,067
baseline
▲ 0.50% · 4.625%
HK$21,125
+HK$1,058/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,134/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$33,990 · 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).