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$9,518
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,814
−HK$301/mo
Today · 4.125%
HK$10,115
baseline
▲ 0.50% · 4.625%
HK$10,731
+HK$616/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,230/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,589
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,873
−HK$288/mo
Today · 4.125%
HK$11,161
baseline
▲ 0.50% · 4.625%
HK$11,750
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,322/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,422
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,777
−HK$361/mo
Today · 4.125%
HK$12,138
baseline
▲ 0.50% · 4.625%
HK$12,877
+HK$739/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,276/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,707
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,048
−HK$345/mo
Today · 4.125%
HK$13,393
baseline
▲ 0.50% · 4.625%
HK$14,099
+HK$706/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,786/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,326
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,740
−HK$421/mo
Today · 4.125%
HK$14,161
baseline
▲ 0.50% · 4.625%
HK$15,023
+HK$862/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,322/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,825
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,222
−HK$404/mo
Today · 4.125%
HK$15,626
baseline
▲ 0.50% · 4.625%
HK$16,449
+HK$823/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,252/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,133
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,666
−HK$542/mo
Today · 4.125%
HK$18,208
baseline
▲ 0.50% · 4.625%
HK$19,315
+HK$1,107/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$36,416/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,060
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,572
−HK$518/mo
Today · 4.125%
HK$20,090
baseline
▲ 0.50% · 4.625%
HK$21,149
+HK$1,059/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$40,180/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,955 · 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).