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$9,523
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,819
−HK$301/mo
Today · 4.125%
HK$10,120
baseline
▲ 0.50% · 4.625%
HK$10,736
+HK$616/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,240/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,594
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,879
−HK$288/mo
Today · 4.125%
HK$11,167
baseline
▲ 0.50% · 4.625%
HK$11,755
+HK$588/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,334/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,428
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,783
−HK$361/mo
Today · 4.125%
HK$12,144
baseline
▲ 0.50% · 4.625%
HK$12,883
+HK$739/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,288/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,713
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,054
−HK$346/mo
Today · 4.125%
HK$13,400
baseline
▲ 0.50% · 4.625%
HK$14,106
+HK$706/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,800/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,332
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,747
−HK$421/mo
Today · 4.125%
HK$14,168
baseline
▲ 0.50% · 4.625%
HK$15,031
+HK$863/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,336/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,832
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,230
−HK$403/mo
Today · 4.125%
HK$15,633
baseline
▲ 0.50% · 4.625%
HK$16,458
+HK$825/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,266/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,142
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,675
−HK$542/mo
Today · 4.125%
HK$18,217
baseline
▲ 0.50% · 4.625%
HK$19,325
+HK$1,108/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,434/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,070
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,581
−HK$519/mo
Today · 4.125%
HK$20,100
baseline
▲ 0.50% · 4.625%
HK$21,160
+HK$1,060/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,200/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,368 · 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).