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$9,494
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,789
−HK$300/mo
Today · 4.125%
HK$10,089
baseline
▲ 0.50% · 4.625%
HK$10,703
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,178/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,562
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,845
−HK$287/mo
Today · 4.125%
HK$11,132
baseline
▲ 0.50% · 4.625%
HK$11,719
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,264/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,392
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,747
−HK$360/mo
Today · 4.125%
HK$12,107
baseline
▲ 0.50% · 4.625%
HK$12,843
+HK$736/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,214/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,674
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,014
−HK$345/mo
Today · 4.125%
HK$13,359
baseline
▲ 0.50% · 4.625%
HK$14,063
+HK$704/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,718/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,291
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,704
−HK$421/mo
Today · 4.125%
HK$14,125
baseline
▲ 0.50% · 4.625%
HK$14,984
+HK$859/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,250/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,786
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,183
−HK$402/mo
Today · 4.125%
HK$15,585
baseline
▲ 0.50% · 4.625%
HK$16,407
+HK$822/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,170/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,088
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,620
−HK$540/mo
Today · 4.125%
HK$18,160
baseline
▲ 0.50% · 4.625%
HK$19,265
+HK$1,105/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$36,320/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,011
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,521
−HK$517/mo
Today · 4.125%
HK$20,038
baseline
▲ 0.50% · 4.625%
HK$21,094
+HK$1,056/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$40,076/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,779 · 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).