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$9,504
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,799
−HK$301/mo
Today · 4.125%
HK$10,100
baseline
▲ 0.50% · 4.625%
HK$10,714
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,200/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,573
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,856
−HK$288/mo
Today · 4.125%
HK$11,144
baseline
▲ 0.50% · 4.625%
HK$11,731
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,288/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,404
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,759
−HK$361/mo
Today · 4.125%
HK$12,120
baseline
▲ 0.50% · 4.625%
HK$12,857
+HK$737/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,240/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,687
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,028
−HK$345/mo
Today · 4.125%
HK$13,373
baseline
▲ 0.50% · 4.625%
HK$14,078
+HK$705/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,746/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,305
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,719
−HK$420/mo
Today · 4.125%
HK$14,139
baseline
▲ 0.50% · 4.625%
HK$15,000
+HK$861/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,278/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,802
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,199
−HK$402/mo
Today · 4.125%
HK$15,601
baseline
▲ 0.50% · 4.625%
HK$16,424
+HK$823/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,202/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,107
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,639
−HK$540/mo
Today · 4.125%
HK$18,179
baseline
▲ 0.50% · 4.625%
HK$19,285
+HK$1,106/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,358/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$33,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,031
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,541
−HK$518/mo
Today · 4.125%
HK$20,059
baseline
▲ 0.50% · 4.625%
HK$21,116
+HK$1,057/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,118/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$33,660 · 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).