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$9,499
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,795
−HK$300/mo
Today · 4.125%
HK$10,095
baseline
▲ 0.50% · 4.625%
HK$10,709
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,190/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,568
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,851
−HK$288/mo
Today · 4.125%
HK$11,139
baseline
▲ 0.50% · 4.625%
HK$11,726
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,278/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,399
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,754
−HK$360/mo
Today · 4.125%
HK$12,114
baseline
▲ 0.50% · 4.625%
HK$12,851
+HK$737/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,228/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,681
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,022
−HK$345/mo
Today · 4.125%
HK$13,367
baseline
▲ 0.50% · 4.625%
HK$14,071
+HK$704/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,734/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,299
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,713
−HK$420/mo
Today · 4.125%
HK$14,133
baseline
▲ 0.50% · 4.625%
HK$14,993
+HK$860/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,266/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,795
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,192
−HK$402/mo
Today · 4.125%
HK$15,594
baseline
▲ 0.50% · 4.625%
HK$16,416
+HK$822/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,188/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,099
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,631
−HK$540/mo
Today · 4.125%
HK$18,171
baseline
▲ 0.50% · 4.625%
HK$19,277
+HK$1,106/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,342/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$33,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,022
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,532
−HK$518/mo
Today · 4.125%
HK$20,050
baseline
▲ 0.50% · 4.625%
HK$21,107
+HK$1,057/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,100/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$33,279 · 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).