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$9,498
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,793
−HK$300/mo
Today · 4.125%
HK$10,093
baseline
▲ 0.50% · 4.625%
HK$10,708
+HK$615/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,186/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,566
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,850
−HK$287/mo
Today · 4.125%
HK$11,137
baseline
▲ 0.50% · 4.625%
HK$11,724
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,274/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,397
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,752
−HK$360/mo
Today · 4.125%
HK$12,112
baseline
▲ 0.50% · 4.625%
HK$12,849
+HK$737/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,224/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,680
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,020
−HK$345/mo
Today · 4.125%
HK$13,365
baseline
▲ 0.50% · 4.625%
HK$14,069
+HK$704/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,730/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,297
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,711
−HK$420/mo
Today · 4.125%
HK$14,131
baseline
▲ 0.50% · 4.625%
HK$14,991
+HK$860/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,262/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,793
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,190
−HK$402/mo
Today · 4.125%
HK$15,592
baseline
▲ 0.50% · 4.625%
HK$16,414
+HK$822/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,184/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,096
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,628
−HK$540/mo
Today · 4.125%
HK$18,168
baseline
▲ 0.50% · 4.625%
HK$19,274
+HK$1,106/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,336/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$33,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,019
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,529
−HK$518/mo
Today · 4.125%
HK$20,047
baseline
▲ 0.50% · 4.625%
HK$21,104
+HK$1,057/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,094/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$33,155 · 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).