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$9,549
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,846
−HK$302/mo
Today · 4.125%
HK$10,148
baseline
▲ 0.50% · 4.625%
HK$10,765
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,296/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,623
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,908
−HK$289/mo
Today · 4.125%
HK$11,197
baseline
▲ 0.50% · 4.625%
HK$11,787
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,394/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,459
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,815
−HK$363/mo
Today · 4.125%
HK$12,178
baseline
▲ 0.50% · 4.625%
HK$12,918
+HK$740/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$24,356/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,748
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,090
−HK$347/mo
Today · 4.125%
HK$13,437
baseline
▲ 0.50% · 4.625%
HK$14,145
+HK$708/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$26,874/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,369
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,785
−HK$422/mo
Today · 4.125%
HK$14,207
baseline
▲ 0.50% · 4.625%
HK$15,072
+HK$865/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,414/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,873
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,271
−HK$405/mo
Today · 4.125%
HK$15,676
baseline
▲ 0.50% · 4.625%
HK$16,502
+HK$826/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,352/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,188
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,723
−HK$543/mo
Today · 4.125%
HK$18,266
baseline
▲ 0.50% · 4.625%
HK$19,378
+HK$1,112/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,532/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,122
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,635
−HK$520/mo
Today · 4.125%
HK$20,155
baseline
▲ 0.50% · 4.625%
HK$21,217
+HK$1,062/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,310/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,647 · 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).