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$9,536
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,833
−HK$301/mo
Today · 4.125%
HK$10,134
baseline
▲ 0.50% · 4.625%
HK$10,751
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,268/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,609
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,893
−HK$289/mo
Today · 4.125%
HK$11,182
baseline
▲ 0.50% · 4.625%
HK$11,771
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,364/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,443
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,799
−HK$362/mo
Today · 4.125%
HK$12,161
baseline
▲ 0.50% · 4.625%
HK$12,901
+HK$740/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,322/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,730
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,072
−HK$346/mo
Today · 4.125%
HK$13,418
baseline
▲ 0.50% · 4.625%
HK$14,126
+HK$708/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,836/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,350
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,766
−HK$422/mo
Today · 4.125%
HK$14,188
baseline
▲ 0.50% · 4.625%
HK$15,051
+HK$863/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$28,376/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,852
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,251
−HK$404/mo
Today · 4.125%
HK$15,655
baseline
▲ 0.50% · 4.625%
HK$16,480
+HK$825/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$31,310/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,165
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,699
−HK$542/mo
Today · 4.125%
HK$18,241
baseline
▲ 0.50% · 4.625%
HK$19,351
+HK$1,110/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,482/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,096
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,608
−HK$519/mo
Today · 4.125%
HK$20,127
baseline
▲ 0.50% · 4.625%
HK$21,188
+HK$1,061/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,254/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,498 · 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).