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$9,513
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,809
−HK$301/mo
Today · 4.125%
HK$10,110
baseline
▲ 0.50% · 4.625%
HK$10,725
+HK$615/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,220/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,583
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,867
−HK$288/mo
Today · 4.125%
HK$11,155
baseline
▲ 0.50% · 4.625%
HK$11,743
+HK$588/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,310/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,416
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,771
−HK$361/mo
Today · 4.125%
HK$12,132
baseline
▲ 0.50% · 4.625%
HK$12,870
+HK$738/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,264/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,700
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,041
−HK$345/mo
Today · 4.125%
HK$13,386
baseline
▲ 0.50% · 4.625%
HK$14,092
+HK$706/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,772/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,319
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,733
−HK$421/mo
Today · 4.125%
HK$14,154
baseline
▲ 0.50% · 4.625%
HK$15,015
+HK$861/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,308/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,817
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,214
−HK$403/mo
Today · 4.125%
HK$15,617
baseline
▲ 0.50% · 4.625%
HK$16,441
+HK$824/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,234/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,124
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,657
−HK$541/mo
Today · 4.125%
HK$18,198
baseline
▲ 0.50% · 4.625%
HK$19,305
+HK$1,107/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,396/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,050
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,561
−HK$518/mo
Today · 4.125%
HK$20,079
baseline
▲ 0.50% · 4.625%
HK$21,138
+HK$1,059/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,158/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,504 · 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).