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$9,496
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,791
−HK$300/mo
Today · 4.125%
HK$10,091
baseline
▲ 0.50% · 4.625%
HK$10,706
+HK$615/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,182/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$32,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,564
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,848
−HK$287/mo
Today · 4.125%
HK$11,135
baseline
▲ 0.50% · 4.625%
HK$11,722
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,270/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$32,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,395
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,750
−HK$360/mo
Today · 4.125%
HK$12,110
baseline
▲ 0.50% · 4.625%
HK$12,847
+HK$737/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,220/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,677
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,017
−HK$345/mo
Today · 4.125%
HK$13,362
baseline
▲ 0.50% · 4.625%
HK$14,066
+HK$704/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,724/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,294
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,708
−HK$420/mo
Today · 4.125%
HK$14,128
baseline
▲ 0.50% · 4.625%
HK$14,988
+HK$860/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,256/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,790
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,187
−HK$402/mo
Today · 4.125%
HK$15,589
baseline
▲ 0.50% · 4.625%
HK$16,411
+HK$822/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,178/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,093
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,624
−HK$541/mo
Today · 4.125%
HK$18,165
baseline
▲ 0.50% · 4.625%
HK$19,270
+HK$1,105/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$36,330/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,016
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,526
−HK$517/mo
Today · 4.125%
HK$20,043
baseline
▲ 0.50% · 4.625%
HK$21,099
+HK$1,056/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$40,086/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,990 · 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).