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$9,485
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,780
−HK$300/mo
Today · 4.125%
HK$10,080
baseline
▲ 0.50% · 4.625%
HK$10,694
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,160/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,552
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,835
−HK$288/mo
Today · 4.125%
HK$11,123
baseline
▲ 0.50% · 4.625%
HK$11,709
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,246/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,383
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,737
−HK$359/mo
Today · 4.125%
HK$12,096
baseline
▲ 0.50% · 4.625%
HK$12,832
+HK$736/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$24,192/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,663
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,003
−HK$344/mo
Today · 4.125%
HK$13,347
baseline
▲ 0.50% · 4.625%
HK$14,051
+HK$704/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$26,694/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,280
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,693
−HK$419/mo
Today · 4.125%
HK$14,112
baseline
▲ 0.50% · 4.625%
HK$14,971
+HK$859/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,224/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,773
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,170
−HK$402/mo
Today · 4.125%
HK$15,572
baseline
▲ 0.50% · 4.625%
HK$16,392
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,144/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,074
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,605
−HK$539/mo
Today · 4.125%
HK$18,144
baseline
▲ 0.50% · 4.625%
HK$19,249
+HK$1,105/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,288/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,994
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,504
−HK$517/mo
Today · 4.125%
HK$20,021
baseline
▲ 0.50% · 4.625%
HK$21,076
+HK$1,055/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,042/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,063 · 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).