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$9,485
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,780
−HK$299/mo
Today · 4.125%
HK$10,079
baseline
▲ 0.50% · 4.625%
HK$10,693
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,158/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,551
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,834
−HK$288/mo
Today · 4.125%
HK$11,122
baseline
▲ 0.50% · 4.625%
HK$11,708
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,244/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,381
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,735
−HK$360/mo
Today · 4.125%
HK$12,095
baseline
▲ 0.50% · 4.625%
HK$12,831
+HK$736/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$24,190/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$31,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,662
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,001
−HK$345/mo
Today · 4.125%
HK$13,346
baseline
▲ 0.50% · 4.625%
HK$14,049
+HK$703/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$26,692/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$31,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,278
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,691
−HK$420/mo
Today · 4.125%
HK$14,111
baseline
▲ 0.50% · 4.625%
HK$14,970
+HK$859/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,222/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,772
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,168
−HK$402/mo
Today · 4.125%
HK$15,570
baseline
▲ 0.50% · 4.625%
HK$16,391
+HK$821/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,140/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,072
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,603
−HK$540/mo
Today · 4.125%
HK$18,143
baseline
▲ 0.50% · 4.625%
HK$19,247
+HK$1,104/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,286/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$31,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,993
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,502
−HK$517/mo
Today · 4.125%
HK$20,019
baseline
▲ 0.50% · 4.625%
HK$21,074
+HK$1,055/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,038/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$31,985 · 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).