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$9,486
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,782
−HK$299/mo
Today · 4.125%
HK$10,081
baseline
▲ 0.50% · 4.625%
HK$10,695
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,162/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,554
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,837
−HK$287/mo
Today · 4.125%
HK$11,124
baseline
▲ 0.50% · 4.625%
HK$11,710
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,248/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,384
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,738
−HK$360/mo
Today · 4.125%
HK$12,098
baseline
▲ 0.50% · 4.625%
HK$12,834
+HK$736/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$24,196/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,664
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,004
−HK$344/mo
Today · 4.125%
HK$13,348
baseline
▲ 0.50% · 4.625%
HK$14,052
+HK$704/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$26,696/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,281
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,694
−HK$420/mo
Today · 4.125%
HK$14,114
baseline
▲ 0.50% · 4.625%
HK$14,973
+HK$859/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,228/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,775
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,171
−HK$402/mo
Today · 4.125%
HK$15,573
baseline
▲ 0.50% · 4.625%
HK$16,394
+HK$821/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,146/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,076
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,607
−HK$539/mo
Today · 4.125%
HK$18,146
baseline
▲ 0.50% · 4.625%
HK$19,251
+HK$1,105/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,292/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,996
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,506
−HK$517/mo
Today · 4.125%
HK$20,023
baseline
▲ 0.50% · 4.625%
HK$21,078
+HK$1,055/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,046/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,149 · 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).