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$9,539
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,836
−HK$301/mo
Today · 4.125%
HK$10,137
baseline
▲ 0.50% · 4.625%
HK$10,754
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,274/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,612
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,897
−HK$289/mo
Today · 4.125%
HK$11,186
baseline
▲ 0.50% · 4.625%
HK$11,775
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,372/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,447
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,803
−HK$362/mo
Today · 4.125%
HK$12,165
baseline
▲ 0.50% · 4.625%
HK$12,905
+HK$740/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,330/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,735
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,076
−HK$347/mo
Today · 4.125%
HK$13,423
baseline
▲ 0.50% · 4.625%
HK$14,130
+HK$707/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,846/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,355
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,770
−HK$422/mo
Today · 4.125%
HK$14,192
baseline
▲ 0.50% · 4.625%
HK$15,056
+HK$864/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,384/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,857
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,256
−HK$404/mo
Today · 4.125%
HK$15,660
baseline
▲ 0.50% · 4.625%
HK$16,485
+HK$825/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,320/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,171
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,705
−HK$542/mo
Today · 4.125%
HK$18,247
baseline
▲ 0.50% · 4.625%
HK$19,358
+HK$1,111/mo
Deposit HK$418K · loan HK$3.77M · min. income ≈ HK$36,494/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,102
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,615
−HK$519/mo
Today · 4.125%
HK$20,134
baseline
▲ 0.50% · 4.625%
HK$21,196
+HK$1,062/mo
Deposit HK$418K · loan HK$3.77M · min. income ≈ HK$40,268/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,784 · 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).