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$9,533
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,830
−HK$301/mo
Today · 4.125%
HK$10,131
baseline
▲ 0.50% · 4.625%
HK$10,748
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,262/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,606
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,890
−HK$289/mo
Today · 4.125%
HK$11,179
baseline
▲ 0.50% · 4.625%
HK$11,768
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,358/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,440
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,796
−HK$361/mo
Today · 4.125%
HK$12,157
baseline
▲ 0.50% · 4.625%
HK$12,897
+HK$740/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,314/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,727
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,068
−HK$346/mo
Today · 4.125%
HK$13,414
baseline
▲ 0.50% · 4.625%
HK$14,121
+HK$707/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,828/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,347
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,762
−HK$421/mo
Today · 4.125%
HK$14,183
baseline
▲ 0.50% · 4.625%
HK$15,047
+HK$864/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$28,366/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,848
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,246
−HK$404/mo
Today · 4.125%
HK$15,650
baseline
▲ 0.50% · 4.625%
HK$16,475
+HK$825/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$31,300/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,160
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,694
−HK$542/mo
Today · 4.125%
HK$18,236
baseline
▲ 0.50% · 4.625%
HK$19,346
+HK$1,110/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,472/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$36,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,090
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,602
−HK$520/mo
Today · 4.125%
HK$20,122
baseline
▲ 0.50% · 4.625%
HK$21,182
+HK$1,060/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,244/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$36,256 · 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).