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$9,547
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,844
−HK$302/mo
Today · 4.125%
HK$10,146
baseline
▲ 0.50% · 4.625%
HK$10,764
+HK$618/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,292/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,621
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,906
−HK$289/mo
Today · 4.125%
HK$11,195
baseline
▲ 0.50% · 4.625%
HK$11,785
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,390/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,457
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,813
−HK$362/mo
Today · 4.125%
HK$12,175
baseline
▲ 0.50% · 4.625%
HK$12,916
+HK$741/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,350/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,746
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,088
−HK$346/mo
Today · 4.125%
HK$13,434
baseline
▲ 0.50% · 4.625%
HK$14,142
+HK$708/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,868/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,366
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,782
−HK$423/mo
Today · 4.125%
HK$14,205
baseline
▲ 0.50% · 4.625%
HK$15,069
+HK$864/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,410/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,870
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,269
−HK$404/mo
Today · 4.125%
HK$15,673
baseline
▲ 0.50% · 4.625%
HK$16,500
+HK$827/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,346/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,185
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,720
−HK$543/mo
Today · 4.125%
HK$18,263
baseline
▲ 0.50% · 4.625%
HK$19,374
+HK$1,111/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,526/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,119
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,631
−HK$521/mo
Today · 4.125%
HK$20,152
baseline
▲ 0.50% · 4.625%
HK$21,214
+HK$1,062/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,304/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,502 · 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).