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$9,538
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,835
−HK$301/mo
Today · 4.125%
HK$10,136
baseline
▲ 0.50% · 4.625%
HK$10,753
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,272/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,611
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,896
−HK$288/mo
Today · 4.125%
HK$11,184
baseline
▲ 0.50% · 4.625%
HK$11,774
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,368/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,446
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,802
−HK$361/mo
Today · 4.125%
HK$12,163
baseline
▲ 0.50% · 4.625%
HK$12,904
+HK$741/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,326/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,733
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,075
−HK$346/mo
Today · 4.125%
HK$13,421
baseline
▲ 0.50% · 4.625%
HK$14,129
+HK$708/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,842/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,353
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,769
−HK$422/mo
Today · 4.125%
HK$14,191
baseline
▲ 0.50% · 4.625%
HK$15,054
+HK$863/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$28,382/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,855
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,254
−HK$404/mo
Today · 4.125%
HK$15,658
baseline
▲ 0.50% · 4.625%
HK$16,483
+HK$825/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$31,316/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,169
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,703
−HK$542/mo
Today · 4.125%
HK$18,245
baseline
▲ 0.50% · 4.625%
HK$19,355
+HK$1,110/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,490/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,100
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,612
−HK$520/mo
Today · 4.125%
HK$20,132
baseline
▲ 0.50% · 4.625%
HK$21,193
+HK$1,061/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,264/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,680 · 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).