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$9,489
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,784
−HK$300/mo
Today · 4.125%
HK$10,084
baseline
▲ 0.50% · 4.625%
HK$10,698
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,168/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,557
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,840
−HK$287/mo
Today · 4.125%
HK$11,127
baseline
▲ 0.50% · 4.625%
HK$11,714
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,254/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,387
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,741
−HK$360/mo
Today · 4.125%
HK$12,101
baseline
▲ 0.50% · 4.625%
HK$12,838
+HK$737/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$24,202/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,668
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,008
−HK$344/mo
Today · 4.125%
HK$13,352
baseline
▲ 0.50% · 4.625%
HK$14,056
+HK$704/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$26,704/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,285
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,698
−HK$420/mo
Today · 4.125%
HK$14,118
baseline
▲ 0.50% · 4.625%
HK$14,977
+HK$859/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,236/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,779
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,176
−HK$402/mo
Today · 4.125%
HK$15,578
baseline
▲ 0.50% · 4.625%
HK$16,399
+HK$821/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,156/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,081
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,612
−HK$540/mo
Today · 4.125%
HK$18,152
baseline
▲ 0.50% · 4.625%
HK$19,256
+HK$1,104/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$36,304/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,002
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,512
−HK$517/mo
Today · 4.125%
HK$20,029
baseline
▲ 0.50% · 4.625%
HK$21,084
+HK$1,055/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$40,058/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,399 · 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).