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$9,547
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,844
−HK$301/mo
Today · 4.125%
HK$10,145
baseline
▲ 0.50% · 4.625%
HK$10,763
+HK$618/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,290/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,621
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,906
−HK$288/mo
Today · 4.125%
HK$11,194
baseline
▲ 0.50% · 4.625%
HK$11,785
+HK$591/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,388/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,456
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,812
−HK$362/mo
Today · 4.125%
HK$12,174
baseline
▲ 0.50% · 4.625%
HK$12,915
+HK$741/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,348/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,745
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,087
−HK$346/mo
Today · 4.125%
HK$13,433
baseline
▲ 0.50% · 4.625%
HK$14,141
+HK$708/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,866/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,365
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,781
−HK$423/mo
Today · 4.125%
HK$14,204
baseline
▲ 0.50% · 4.625%
HK$15,068
+HK$864/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,408/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,869
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,268
−HK$404/mo
Today · 4.125%
HK$15,672
baseline
▲ 0.50% · 4.625%
HK$16,498
+HK$826/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,344/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,184
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,719
−HK$543/mo
Today · 4.125%
HK$18,262
baseline
▲ 0.50% · 4.625%
HK$19,373
+HK$1,111/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,524/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,117
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,630
−HK$520/mo
Today · 4.125%
HK$20,150
baseline
▲ 0.50% · 4.625%
HK$21,212
+HK$1,062/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,300/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,440 · 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).