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$9,506
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,802
−HK$301/mo
Today · 4.125%
HK$10,103
baseline
▲ 0.50% · 4.625%
HK$10,717
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,206/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,576
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,859
−HK$288/mo
Today · 4.125%
HK$11,147
baseline
▲ 0.50% · 4.625%
HK$11,735
+HK$588/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,294/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,408
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,763
−HK$360/mo
Today · 4.125%
HK$12,123
baseline
▲ 0.50% · 4.625%
HK$12,861
+HK$738/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,246/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,691
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,031
−HK$346/mo
Today · 4.125%
HK$13,377
baseline
▲ 0.50% · 4.625%
HK$14,082
+HK$705/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,754/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,309
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,723
−HK$421/mo
Today · 4.125%
HK$14,144
baseline
▲ 0.50% · 4.625%
HK$15,004
+HK$860/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,288/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,806
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,203
−HK$403/mo
Today · 4.125%
HK$15,606
baseline
▲ 0.50% · 4.625%
HK$16,429
+HK$823/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,212/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,112
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,644
−HK$541/mo
Today · 4.125%
HK$18,185
baseline
▲ 0.50% · 4.625%
HK$19,291
+HK$1,106/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,370/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$33,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,036
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,547
−HK$518/mo
Today · 4.125%
HK$20,065
baseline
▲ 0.50% · 4.625%
HK$21,123
+HK$1,058/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,130/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$33,902 · 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).