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$9,540
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,837
−HK$302/mo
Today · 4.125%
HK$10,139
baseline
▲ 0.50% · 4.625%
HK$10,756
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,278/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,614
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,898
−HK$289/mo
Today · 4.125%
HK$11,187
baseline
▲ 0.50% · 4.625%
HK$11,777
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,374/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,448
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,805
−HK$361/mo
Today · 4.125%
HK$12,166
baseline
▲ 0.50% · 4.625%
HK$12,907
+HK$741/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,332/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,736
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,078
−HK$346/mo
Today · 4.125%
HK$13,424
baseline
▲ 0.50% · 4.625%
HK$14,132
+HK$708/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,848/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,356
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,772
−HK$422/mo
Today · 4.125%
HK$14,194
baseline
▲ 0.50% · 4.625%
HK$15,058
+HK$864/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,388/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,859
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,257
−HK$405/mo
Today · 4.125%
HK$15,662
baseline
▲ 0.50% · 4.625%
HK$16,487
+HK$825/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,324/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,173
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,707
−HK$542/mo
Today · 4.125%
HK$18,249
baseline
▲ 0.50% · 4.625%
HK$19,360
+HK$1,111/mo
Deposit HK$418K · loan HK$3.77M · min. income ≈ HK$36,498/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,104
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,617
−HK$520/mo
Today · 4.125%
HK$20,137
baseline
▲ 0.50% · 4.625%
HK$21,198
+HK$1,061/mo
Deposit HK$418K · loan HK$3.77M · min. income ≈ HK$40,274/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,878 · 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).