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$9,529
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,826
−HK$301/mo
Today · 4.125%
HK$10,127
baseline
▲ 0.50% · 4.625%
HK$10,743
+HK$616/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,254/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$35,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,601
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,885
−HK$289/mo
Today · 4.125%
HK$11,174
baseline
▲ 0.50% · 4.625%
HK$11,763
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,348/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$35,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,435
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,791
−HK$361/mo
Today · 4.125%
HK$12,152
baseline
▲ 0.50% · 4.625%
HK$12,892
+HK$740/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,304/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,721
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,063
−HK$346/mo
Today · 4.125%
HK$13,409
baseline
▲ 0.50% · 4.625%
HK$14,116
+HK$707/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,818/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,341
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,756
−HK$422/mo
Today · 4.125%
HK$14,178
baseline
▲ 0.50% · 4.625%
HK$15,040
+HK$862/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$28,356/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,842
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,240
−HK$403/mo
Today · 4.125%
HK$15,643
baseline
▲ 0.50% · 4.625%
HK$16,468
+HK$825/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$31,286/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,153
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,686
−HK$542/mo
Today · 4.125%
HK$18,228
baseline
▲ 0.50% · 4.625%
HK$19,337
+HK$1,109/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,456/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$35,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,082
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,594
−HK$519/mo
Today · 4.125%
HK$20,113
baseline
▲ 0.50% · 4.625%
HK$21,173
+HK$1,060/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,226/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$35,904 · 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).