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$9,550
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,847
−HK$301/mo
Today · 4.125%
HK$10,148
baseline
▲ 0.50% · 4.625%
HK$10,766
+HK$618/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,296/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,624
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,909
−HK$289/mo
Today · 4.125%
HK$11,198
baseline
▲ 0.50% · 4.625%
HK$11,788
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,396/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,460
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,816
−HK$362/mo
Today · 4.125%
HK$12,178
baseline
▲ 0.50% · 4.625%
HK$12,919
+HK$741/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$24,356/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,749
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,091
−HK$346/mo
Today · 4.125%
HK$13,437
baseline
▲ 0.50% · 4.625%
HK$14,146
+HK$709/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$26,874/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,369
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,785
−HK$423/mo
Today · 4.125%
HK$14,208
baseline
▲ 0.50% · 4.625%
HK$15,072
+HK$864/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,416/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,873
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,272
−HK$405/mo
Today · 4.125%
HK$15,677
baseline
▲ 0.50% · 4.625%
HK$16,503
+HK$826/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,354/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,189
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,724
−HK$543/mo
Today · 4.125%
HK$18,267
baseline
▲ 0.50% · 4.625%
HK$19,379
+HK$1,112/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,534/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,123
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,636
−HK$520/mo
Today · 4.125%
HK$20,156
baseline
▲ 0.50% · 4.625%
HK$21,219
+HK$1,063/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,312/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,691 · 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).