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$9,485
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,780
−HK$300/mo
Today · 4.125%
HK$10,080
baseline
▲ 0.50% · 4.625%
HK$10,693
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,160/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,552
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,835
−HK$287/mo
Today · 4.125%
HK$11,122
baseline
▲ 0.50% · 4.625%
HK$11,709
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,244/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,382
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,736
−HK$360/mo
Today · 4.125%
HK$12,096
baseline
▲ 0.50% · 4.625%
HK$12,832
+HK$736/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$24,192/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,663
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,002
−HK$345/mo
Today · 4.125%
HK$13,347
baseline
▲ 0.50% · 4.625%
HK$14,050
+HK$703/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$26,694/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,279
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,692
−HK$420/mo
Today · 4.125%
HK$14,112
baseline
▲ 0.50% · 4.625%
HK$14,971
+HK$859/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,224/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,773
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,169
−HK$402/mo
Today · 4.125%
HK$15,571
baseline
▲ 0.50% · 4.625%
HK$16,392
+HK$821/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,142/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,073
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,604
−HK$540/mo
Today · 4.125%
HK$18,144
baseline
▲ 0.50% · 4.625%
HK$19,248
+HK$1,104/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,288/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,994
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,503
−HK$517/mo
Today · 4.125%
HK$20,020
baseline
▲ 0.50% · 4.625%
HK$21,075
+HK$1,055/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,040/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,044 · 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).