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$9,520
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,816
−HK$301/mo
Today · 4.125%
HK$10,117
baseline
▲ 0.50% · 4.625%
HK$10,733
+HK$616/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,234/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,591
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,875
−HK$288/mo
Today · 4.125%
HK$11,163
baseline
▲ 0.50% · 4.625%
HK$11,752
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,326/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,424
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,780
−HK$361/mo
Today · 4.125%
HK$12,141
baseline
▲ 0.50% · 4.625%
HK$12,879
+HK$738/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,282/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,709
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,050
−HK$346/mo
Today · 4.125%
HK$13,396
baseline
▲ 0.50% · 4.625%
HK$14,102
+HK$706/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,792/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,328
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,743
−HK$421/mo
Today · 4.125%
HK$14,164
baseline
▲ 0.50% · 4.625%
HK$15,026
+HK$862/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,328/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,828
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,225
−HK$404/mo
Today · 4.125%
HK$15,629
baseline
▲ 0.50% · 4.625%
HK$16,453
+HK$824/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,258/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,137
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,670
−HK$541/mo
Today · 4.125%
HK$18,211
baseline
▲ 0.50% · 4.625%
HK$19,319
+HK$1,108/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,422/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,064
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,575
−HK$519/mo
Today · 4.125%
HK$20,094
baseline
▲ 0.50% · 4.625%
HK$21,153
+HK$1,059/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,188/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,119 · 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).