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$9,486
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,781
−HK$300/mo
Today · 4.125%
HK$10,081
baseline
▲ 0.50% · 4.625%
HK$10,694
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,162/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,553
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,836
−HK$287/mo
Today · 4.125%
HK$11,123
baseline
▲ 0.50% · 4.625%
HK$11,710
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,246/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,383
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,737
−HK$360/mo
Today · 4.125%
HK$12,097
baseline
▲ 0.50% · 4.625%
HK$12,833
+HK$736/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$24,194/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,664
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,003
−HK$345/mo
Today · 4.125%
HK$13,348
baseline
▲ 0.50% · 4.625%
HK$14,051
+HK$703/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$26,696/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,280
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,694
−HK$419/mo
Today · 4.125%
HK$14,113
baseline
▲ 0.50% · 4.625%
HK$14,972
+HK$859/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,226/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,774
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,171
−HK$402/mo
Today · 4.125%
HK$15,573
baseline
▲ 0.50% · 4.625%
HK$16,393
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,146/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,075
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,606
−HK$540/mo
Today · 4.125%
HK$18,146
baseline
▲ 0.50% · 4.625%
HK$19,250
+HK$1,104/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,292/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,996
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,505
−HK$517/mo
Today · 4.125%
HK$20,022
baseline
▲ 0.50% · 4.625%
HK$21,077
+HK$1,055/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,044/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,113 · 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).