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$9,504
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,800
−HK$300/mo
Today · 4.125%
HK$10,100
baseline
▲ 0.50% · 4.625%
HK$10,715
+HK$615/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,200/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,573
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,857
−HK$287/mo
Today · 4.125%
HK$11,144
baseline
▲ 0.50% · 4.625%
HK$11,732
+HK$588/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,288/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,405
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,760
−HK$360/mo
Today · 4.125%
HK$12,120
baseline
▲ 0.50% · 4.625%
HK$12,858
+HK$738/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,240/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,688
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,028
−HK$345/mo
Today · 4.125%
HK$13,373
baseline
▲ 0.50% · 4.625%
HK$14,078
+HK$705/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,746/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,306
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,720
−HK$420/mo
Today · 4.125%
HK$14,140
baseline
▲ 0.50% · 4.625%
HK$15,001
+HK$861/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,280/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,803
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,200
−HK$402/mo
Today · 4.125%
HK$15,602
baseline
▲ 0.50% · 4.625%
HK$16,425
+HK$823/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,204/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,107
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,640
−HK$540/mo
Today · 4.125%
HK$18,180
baseline
▲ 0.50% · 4.625%
HK$19,286
+HK$1,106/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,360/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$33,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,032
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,542
−HK$518/mo
Today · 4.125%
HK$20,060
baseline
▲ 0.50% · 4.625%
HK$21,117
+HK$1,057/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,120/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$33,702 · 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).