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$9,521
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,818
−HK$301/mo
Today · 4.125%
HK$10,119
baseline
▲ 0.50% · 4.625%
HK$10,734
+HK$615/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,238/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,593
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,877
−HK$288/mo
Today · 4.125%
HK$11,165
baseline
▲ 0.50% · 4.625%
HK$11,753
+HK$588/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,330/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,426
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,781
−HK$361/mo
Today · 4.125%
HK$12,142
baseline
▲ 0.50% · 4.625%
HK$12,881
+HK$739/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,284/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,711
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,052
−HK$346/mo
Today · 4.125%
HK$13,398
baseline
▲ 0.50% · 4.625%
HK$14,104
+HK$706/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,796/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,330
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,745
−HK$421/mo
Today · 4.125%
HK$14,166
baseline
▲ 0.50% · 4.625%
HK$15,028
+HK$862/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,332/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,830
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,227
−HK$404/mo
Today · 4.125%
HK$15,631
baseline
▲ 0.50% · 4.625%
HK$16,455
+HK$824/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,262/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,139
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,672
−HK$541/mo
Today · 4.125%
HK$18,213
baseline
▲ 0.50% · 4.625%
HK$19,322
+HK$1,109/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,426/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,067
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,578
−HK$519/mo
Today · 4.125%
HK$20,097
baseline
▲ 0.50% · 4.625%
HK$21,156
+HK$1,059/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,194/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,221 · 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).