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$9,550
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,847
−HK$302/mo
Today · 4.125%
HK$10,149
baseline
▲ 0.50% · 4.625%
HK$10,767
+HK$618/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,298/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,625
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,909
−HK$290/mo
Today · 4.125%
HK$11,199
baseline
▲ 0.50% · 4.625%
HK$11,789
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,398/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,460
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,817
−HK$362/mo
Today · 4.125%
HK$12,179
baseline
▲ 0.50% · 4.625%
HK$12,920
+HK$741/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$24,358/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,749
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,091
−HK$347/mo
Today · 4.125%
HK$13,438
baseline
▲ 0.50% · 4.625%
HK$14,147
+HK$709/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$26,876/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,370
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,786
−HK$423/mo
Today · 4.125%
HK$14,209
baseline
▲ 0.50% · 4.625%
HK$15,073
+HK$864/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,418/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,874
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,273
−HK$405/mo
Today · 4.125%
HK$15,678
baseline
▲ 0.50% · 4.625%
HK$16,504
+HK$826/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,356/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,190
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,725
−HK$543/mo
Today · 4.125%
HK$18,268
baseline
▲ 0.50% · 4.625%
HK$19,380
+HK$1,112/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,536/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$37,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,124
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,637
−HK$520/mo
Today · 4.125%
HK$20,157
baseline
▲ 0.50% · 4.625%
HK$21,220
+HK$1,063/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,314/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$37,747 · 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).