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$9,482
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,777
−HK$300/mo
Today · 4.125%
HK$10,077
baseline
▲ 0.50% · 4.625%
HK$10,690
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,154/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,549
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,832
−HK$287/mo
Today · 4.125%
HK$11,119
baseline
▲ 0.50% · 4.625%
HK$11,705
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,238/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,379
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,733
−HK$359/mo
Today · 4.125%
HK$12,092
baseline
▲ 0.50% · 4.625%
HK$12,828
+HK$736/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$24,184/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$31,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,659
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,998
−HK$345/mo
Today · 4.125%
HK$13,343
baseline
▲ 0.50% · 4.625%
HK$14,046
+HK$703/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$26,686/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$31,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,275
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,688
−HK$420/mo
Today · 4.125%
HK$14,108
baseline
▲ 0.50% · 4.625%
HK$14,966
+HK$858/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,216/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,769
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,165
−HK$401/mo
Today · 4.125%
HK$15,566
baseline
▲ 0.50% · 4.625%
HK$16,387
+HK$821/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,132/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,068
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,599
−HK$539/mo
Today · 4.125%
HK$18,138
baseline
▲ 0.50% · 4.625%
HK$19,242
+HK$1,104/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,276/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$31,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,988
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,497
−HK$517/mo
Today · 4.125%
HK$20,014
baseline
▲ 0.50% · 4.625%
HK$21,069
+HK$1,055/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,028/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$31,785 · 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).