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$9,530
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,826
−HK$302/mo
Today · 4.125%
HK$10,128
baseline
▲ 0.50% · 4.625%
HK$10,744
+HK$616/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,256/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$35,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,602
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,886
−HK$289/mo
Today · 4.125%
HK$11,175
baseline
▲ 0.50% · 4.625%
HK$11,764
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,350/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$35,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,436
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,792
−HK$361/mo
Today · 4.125%
HK$12,153
baseline
▲ 0.50% · 4.625%
HK$12,893
+HK$740/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,306/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,722
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,064
−HK$346/mo
Today · 4.125%
HK$13,410
baseline
▲ 0.50% · 4.625%
HK$14,117
+HK$707/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,820/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,342
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,757
−HK$422/mo
Today · 4.125%
HK$14,179
baseline
▲ 0.50% · 4.625%
HK$15,041
+HK$862/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$28,358/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,843
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,241
−HK$404/mo
Today · 4.125%
HK$15,645
baseline
▲ 0.50% · 4.625%
HK$16,469
+HK$824/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$31,290/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,154
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,688
−HK$542/mo
Today · 4.125%
HK$18,230
baseline
▲ 0.50% · 4.625%
HK$19,339
+HK$1,109/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,460/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$35,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,084
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,595
−HK$520/mo
Today · 4.125%
HK$20,115
baseline
▲ 0.50% · 4.625%
HK$21,175
+HK$1,060/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,230/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$35,968 · 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).