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$9,493
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,788
−HK$300/mo
Today · 4.125%
HK$10,088
baseline
▲ 0.50% · 4.625%
HK$10,702
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,176/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,561
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,844
−HK$287/mo
Today · 4.125%
HK$11,131
baseline
▲ 0.50% · 4.625%
HK$11,718
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,262/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,392
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,746
−HK$360/mo
Today · 4.125%
HK$12,106
baseline
▲ 0.50% · 4.625%
HK$12,843
+HK$737/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,212/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,673
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,013
−HK$345/mo
Today · 4.125%
HK$13,358
baseline
▲ 0.50% · 4.625%
HK$14,062
+HK$704/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,716/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,290
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,704
−HK$420/mo
Today · 4.125%
HK$14,124
baseline
▲ 0.50% · 4.625%
HK$14,983
+HK$859/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,248/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,785
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,182
−HK$402/mo
Today · 4.125%
HK$15,584
baseline
▲ 0.50% · 4.625%
HK$16,405
+HK$821/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,168/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,087
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,619
−HK$540/mo
Today · 4.125%
HK$18,159
baseline
▲ 0.50% · 4.625%
HK$19,264
+HK$1,105/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$36,318/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,010
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,519
−HK$518/mo
Today · 4.125%
HK$20,037
baseline
▲ 0.50% · 4.625%
HK$21,093
+HK$1,056/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$40,074/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,726 · 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).