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$9,535
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,832
−HK$301/mo
Today · 4.125%
HK$10,133
baseline
▲ 0.50% · 4.625%
HK$10,750
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,266/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,608
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,893
−HK$288/mo
Today · 4.125%
HK$11,181
baseline
▲ 0.50% · 4.625%
HK$11,771
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,362/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,442
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,798
−HK$362/mo
Today · 4.125%
HK$12,160
baseline
▲ 0.50% · 4.625%
HK$12,900
+HK$740/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,320/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,730
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,071
−HK$346/mo
Today · 4.125%
HK$13,417
baseline
▲ 0.50% · 4.625%
HK$14,125
+HK$708/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,834/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,350
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,765
−HK$422/mo
Today · 4.125%
HK$14,187
baseline
▲ 0.50% · 4.625%
HK$15,050
+HK$863/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$28,374/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,851
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,250
−HK$404/mo
Today · 4.125%
HK$15,654
baseline
▲ 0.50% · 4.625%
HK$16,479
+HK$825/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$31,308/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,164
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,698
−HK$542/mo
Today · 4.125%
HK$18,240
baseline
▲ 0.50% · 4.625%
HK$19,350
+HK$1,110/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,480/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,094
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,607
−HK$519/mo
Today · 4.125%
HK$20,126
baseline
▲ 0.50% · 4.625%
HK$21,187
+HK$1,061/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,252/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,443 · 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).