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$9,488
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,783
−HK$300/mo
Today · 4.125%
HK$10,083
baseline
▲ 0.50% · 4.625%
HK$10,697
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,166/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,556
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,839
−HK$287/mo
Today · 4.125%
HK$11,126
baseline
▲ 0.50% · 4.625%
HK$11,712
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,252/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,386
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,740
−HK$360/mo
Today · 4.125%
HK$12,100
baseline
▲ 0.50% · 4.625%
HK$12,836
+HK$736/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$24,200/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,667
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,006
−HK$345/mo
Today · 4.125%
HK$13,351
baseline
▲ 0.50% · 4.625%
HK$14,055
+HK$704/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$26,702/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,283
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,697
−HK$419/mo
Today · 4.125%
HK$14,116
baseline
▲ 0.50% · 4.625%
HK$14,975
+HK$859/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,232/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,778
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,174
−HK$402/mo
Today · 4.125%
HK$15,576
baseline
▲ 0.50% · 4.625%
HK$16,397
+HK$821/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,152/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,079
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,610
−HK$540/mo
Today · 4.125%
HK$18,150
baseline
▲ 0.50% · 4.625%
HK$19,254
+HK$1,104/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,300/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,000
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,510
−HK$516/mo
Today · 4.125%
HK$20,026
baseline
▲ 0.50% · 4.625%
HK$21,082
+HK$1,056/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,052/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,306 · 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).