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$9,516
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,812
−HK$301/mo
Today · 4.125%
HK$10,113
baseline
▲ 0.50% · 4.625%
HK$10,728
+HK$615/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,226/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,586
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,870
−HK$288/mo
Today · 4.125%
HK$11,158
baseline
▲ 0.50% · 4.625%
HK$11,746
+HK$588/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,316/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,419
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,774
−HK$361/mo
Today · 4.125%
HK$12,135
baseline
▲ 0.50% · 4.625%
HK$12,874
+HK$739/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,270/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,704
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,044
−HK$346/mo
Today · 4.125%
HK$13,390
baseline
▲ 0.50% · 4.625%
HK$14,096
+HK$706/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,780/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,322
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,737
−HK$421/mo
Today · 4.125%
HK$14,158
baseline
▲ 0.50% · 4.625%
HK$15,019
+HK$861/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,316/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,821
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,218
−HK$404/mo
Today · 4.125%
HK$15,622
baseline
▲ 0.50% · 4.625%
HK$16,445
+HK$823/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,244/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,129
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,661
−HK$542/mo
Today · 4.125%
HK$18,203
baseline
▲ 0.50% · 4.625%
HK$19,310
+HK$1,107/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$36,406/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,055
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,566
−HK$519/mo
Today · 4.125%
HK$20,085
baseline
▲ 0.50% · 4.625%
HK$21,144
+HK$1,059/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$40,170/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,735 · 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).