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$9,506
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,801
−HK$301/mo
Today · 4.125%
HK$10,102
baseline
▲ 0.50% · 4.625%
HK$10,717
+HK$615/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,204/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,575
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,859
−HK$287/mo
Today · 4.125%
HK$11,146
baseline
▲ 0.50% · 4.625%
HK$11,734
+HK$588/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,292/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,407
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,762
−HK$360/mo
Today · 4.125%
HK$12,122
baseline
▲ 0.50% · 4.625%
HK$12,860
+HK$738/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,244/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,690
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,030
−HK$346/mo
Today · 4.125%
HK$13,376
baseline
▲ 0.50% · 4.625%
HK$14,081
+HK$705/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,752/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,308
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,722
−HK$421/mo
Today · 4.125%
HK$14,143
baseline
▲ 0.50% · 4.625%
HK$15,003
+HK$860/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,286/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,805
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,202
−HK$403/mo
Today · 4.125%
HK$15,605
baseline
▲ 0.50% · 4.625%
HK$16,428
+HK$823/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,210/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,110
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,643
−HK$540/mo
Today · 4.125%
HK$18,183
baseline
▲ 0.50% · 4.625%
HK$19,290
+HK$1,107/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,366/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$33,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,035
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,546
−HK$518/mo
Today · 4.125%
HK$20,064
baseline
▲ 0.50% · 4.625%
HK$21,121
+HK$1,057/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,128/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$33,845 · 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).