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$9,532
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,828
−HK$301/mo
Today · 4.125%
HK$10,129
baseline
▲ 0.50% · 4.625%
HK$10,746
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,258/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,604
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,888
−HK$289/mo
Today · 4.125%
HK$11,177
baseline
▲ 0.50% · 4.625%
HK$11,766
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,354/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,438
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,794
−HK$361/mo
Today · 4.125%
HK$12,155
baseline
▲ 0.50% · 4.625%
HK$12,895
+HK$740/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,310/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,725
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,066
−HK$346/mo
Today · 4.125%
HK$13,412
baseline
▲ 0.50% · 4.625%
HK$14,119
+HK$707/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,824/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,344
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,759
−HK$422/mo
Today · 4.125%
HK$14,181
baseline
▲ 0.50% · 4.625%
HK$15,044
+HK$863/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$28,362/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,845
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,244
−HK$404/mo
Today · 4.125%
HK$15,648
baseline
▲ 0.50% · 4.625%
HK$16,472
+HK$824/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$31,296/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,157
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,691
−HK$542/mo
Today · 4.125%
HK$18,233
baseline
▲ 0.50% · 4.625%
HK$19,342
+HK$1,109/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,466/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$36,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,087
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,599
−HK$519/mo
Today · 4.125%
HK$20,118
baseline
▲ 0.50% · 4.625%
HK$21,179
+HK$1,061/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,236/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$36,120 · 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).