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$597/mo
▼ 0.25% · 3.875%
HK$9,825
−HK$301/mo
Today · 4.125%
HK$10,126
baseline
▲ 0.50% · 4.625%
HK$10,742
+HK$616/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,252/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$35,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,601
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,885
−HK$288/mo
Today · 4.125%
HK$11,173
baseline
▲ 0.50% · 4.625%
HK$11,762
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,346/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$35,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,435
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,790
−HK$362/mo
Today · 4.125%
HK$12,152
baseline
▲ 0.50% · 4.625%
HK$12,891
+HK$739/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$35,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,721
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,062
−HK$346/mo
Today · 4.125%
HK$13,408
baseline
▲ 0.50% · 4.625%
HK$14,115
+HK$707/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,816/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,340
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,755
−HK$422/mo
Today · 4.125%
HK$14,177
baseline
▲ 0.50% · 4.625%
HK$15,039
+HK$862/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$28,354/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,841
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,239
−HK$404/mo
Today · 4.125%
HK$15,643
baseline
▲ 0.50% · 4.625%
HK$16,467
+HK$824/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$35,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,152
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,685
−HK$542/mo
Today · 4.125%
HK$18,227
baseline
▲ 0.50% · 4.625%
HK$19,336
+HK$1,109/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,454/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$35,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,081
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,593
−HK$519/mo
Today · 4.125%
HK$20,112
baseline
▲ 0.50% · 4.625%
HK$21,172
+HK$1,060/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,224/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$35,862 · 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).