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$9,543
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,840
−HK$302/mo
Today · 4.125%
HK$10,142
baseline
▲ 0.50% · 4.625%
HK$10,759
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,284/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,617
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,902
−HK$288/mo
Today · 4.125%
HK$11,190
baseline
▲ 0.50% · 4.625%
HK$11,780
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,380/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,452
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,808
−HK$362/mo
Today · 4.125%
HK$12,170
baseline
▲ 0.50% · 4.625%
HK$12,911
+HK$741/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,340/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,740
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,082
−HK$346/mo
Today · 4.125%
HK$13,428
baseline
▲ 0.50% · 4.625%
HK$14,136
+HK$708/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,856/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,361
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,776
−HK$422/mo
Today · 4.125%
HK$14,198
baseline
▲ 0.50% · 4.625%
HK$15,062
+HK$864/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,396/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,864
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,262
−HK$405/mo
Today · 4.125%
HK$15,667
baseline
▲ 0.50% · 4.625%
HK$16,492
+HK$825/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,334/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,178
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,712
−HK$543/mo
Today · 4.125%
HK$18,255
baseline
▲ 0.50% · 4.625%
HK$19,366
+HK$1,111/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,510/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,110
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,623
−HK$520/mo
Today · 4.125%
HK$20,143
baseline
▲ 0.50% · 4.625%
HK$21,204
+HK$1,061/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,286/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,135 · 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).