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$9,509
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,805
−HK$301/mo
Today · 4.125%
HK$10,106
baseline
▲ 0.50% · 4.625%
HK$10,721
+HK$615/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,212/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,579
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,863
−HK$288/mo
Today · 4.125%
HK$11,151
baseline
▲ 0.50% · 4.625%
HK$11,739
+HK$588/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,302/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,411
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,766
−HK$361/mo
Today · 4.125%
HK$12,127
baseline
▲ 0.50% · 4.625%
HK$12,865
+HK$738/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,254/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,695
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,036
−HK$345/mo
Today · 4.125%
HK$13,381
baseline
▲ 0.50% · 4.625%
HK$14,086
+HK$705/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,762/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,313
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,727
−HK$421/mo
Today · 4.125%
HK$14,148
baseline
▲ 0.50% · 4.625%
HK$15,009
+HK$861/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,296/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,811
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,208
−HK$403/mo
Today · 4.125%
HK$15,611
baseline
▲ 0.50% · 4.625%
HK$16,434
+HK$823/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,222/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,117
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,650
−HK$540/mo
Today · 4.125%
HK$18,190
baseline
▲ 0.50% · 4.625%
HK$19,297
+HK$1,107/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,380/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$34,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,043
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,553
−HK$518/mo
Today · 4.125%
HK$20,071
baseline
▲ 0.50% · 4.625%
HK$21,129
+HK$1,058/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,142/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$34,173 · 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).