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$9,507
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,803
−HK$300/mo
Today · 4.125%
HK$10,103
baseline
▲ 0.50% · 4.625%
HK$10,718
+HK$615/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,206/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,576
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,860
−HK$288/mo
Today · 4.125%
HK$11,148
baseline
▲ 0.50% · 4.625%
HK$11,735
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,296/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,408
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,763
−HK$361/mo
Today · 4.125%
HK$12,124
baseline
▲ 0.50% · 4.625%
HK$12,861
+HK$737/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,248/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,692
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,032
−HK$345/mo
Today · 4.125%
HK$13,377
baseline
▲ 0.50% · 4.625%
HK$14,082
+HK$705/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,754/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,310
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,724
−HK$420/mo
Today · 4.125%
HK$14,144
baseline
▲ 0.50% · 4.625%
HK$15,005
+HK$861/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,288/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,807
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,204
−HK$403/mo
Today · 4.125%
HK$15,607
baseline
▲ 0.50% · 4.625%
HK$16,429
+HK$822/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,214/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,112
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,645
−HK$541/mo
Today · 4.125%
HK$18,186
baseline
▲ 0.50% · 4.625%
HK$19,292
+HK$1,106/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,372/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$33,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,037
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,548
−HK$518/mo
Today · 4.125%
HK$20,066
baseline
▲ 0.50% · 4.625%
HK$21,124
+HK$1,058/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,132/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$33,945 · 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).