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$9,509
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,804
−HK$301/mo
Today · 4.125%
HK$10,105
baseline
▲ 0.50% · 4.625%
HK$10,720
+HK$615/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,210/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,578
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,862
−HK$288/mo
Today · 4.125%
HK$11,150
baseline
▲ 0.50% · 4.625%
HK$11,737
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,300/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,410
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,765
−HK$361/mo
Today · 4.125%
HK$12,126
baseline
▲ 0.50% · 4.625%
HK$12,864
+HK$738/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,252/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,694
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,034
−HK$346/mo
Today · 4.125%
HK$13,380
baseline
▲ 0.50% · 4.625%
HK$14,085
+HK$705/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,760/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,312
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,726
−HK$421/mo
Today · 4.125%
HK$14,147
baseline
▲ 0.50% · 4.625%
HK$15,007
+HK$860/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,294/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,809
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,207
−HK$402/mo
Today · 4.125%
HK$15,609
baseline
▲ 0.50% · 4.625%
HK$16,432
+HK$823/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,218/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,115
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,648
−HK$541/mo
Today · 4.125%
HK$18,189
baseline
▲ 0.50% · 4.625%
HK$19,295
+HK$1,106/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,378/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$34,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,041
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,551
−HK$518/mo
Today · 4.125%
HK$20,069
baseline
▲ 0.50% · 4.625%
HK$21,127
+HK$1,058/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,138/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$34,086 · 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).