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$9,525
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,821
−HK$301/mo
Today · 4.125%
HK$10,122
baseline
▲ 0.50% · 4.625%
HK$10,738
+HK$616/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,244/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,597
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,881
−HK$288/mo
Today · 4.125%
HK$11,169
baseline
▲ 0.50% · 4.625%
HK$11,758
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,338/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,430
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,786
−HK$361/mo
Today · 4.125%
HK$12,147
baseline
▲ 0.50% · 4.625%
HK$12,886
+HK$739/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,294/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,716
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,057
−HK$346/mo
Today · 4.125%
HK$13,403
baseline
▲ 0.50% · 4.625%
HK$14,109
+HK$706/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,806/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,335
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,750
−HK$421/mo
Today · 4.125%
HK$14,171
baseline
▲ 0.50% · 4.625%
HK$15,034
+HK$863/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,342/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,835
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,233
−HK$404/mo
Today · 4.125%
HK$15,637
baseline
▲ 0.50% · 4.625%
HK$16,461
+HK$824/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,274/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,145
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,678
−HK$542/mo
Today · 4.125%
HK$18,220
baseline
▲ 0.50% · 4.625%
HK$19,329
+HK$1,109/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,440/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,074
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,585
−HK$519/mo
Today · 4.125%
HK$20,104
baseline
▲ 0.50% · 4.625%
HK$21,164
+HK$1,060/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,208/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,539 · 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).