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$9,511
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,806
−HK$301/mo
Today · 4.125%
HK$10,107
baseline
▲ 0.50% · 4.625%
HK$10,722
+HK$615/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,214/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,580
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,864
−HK$288/mo
Today · 4.125%
HK$11,152
baseline
▲ 0.50% · 4.625%
HK$11,740
+HK$588/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,304/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,413
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,768
−HK$360/mo
Today · 4.125%
HK$12,128
baseline
▲ 0.50% · 4.625%
HK$12,866
+HK$738/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,256/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,697
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,037
−HK$346/mo
Today · 4.125%
HK$13,383
baseline
▲ 0.50% · 4.625%
HK$14,088
+HK$705/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,766/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,315
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,729
−HK$421/mo
Today · 4.125%
HK$14,150
baseline
▲ 0.50% · 4.625%
HK$15,011
+HK$861/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,300/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,813
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,210
−HK$403/mo
Today · 4.125%
HK$15,613
baseline
▲ 0.50% · 4.625%
HK$16,436
+HK$823/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,226/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,119
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,652
−HK$541/mo
Today · 4.125%
HK$18,193
baseline
▲ 0.50% · 4.625%
HK$19,300
+HK$1,107/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,386/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$34,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,045
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,556
−HK$518/mo
Today · 4.125%
HK$20,074
baseline
▲ 0.50% · 4.625%
HK$21,132
+HK$1,058/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,148/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$34,273 · 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).