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$9,539
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,836
−HK$301/mo
Today · 4.125%
HK$10,137
baseline
▲ 0.50% · 4.625%
HK$10,754
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,274/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,612
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,897
−HK$288/mo
Today · 4.125%
HK$11,185
baseline
▲ 0.50% · 4.625%
HK$11,775
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,370/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,447
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,803
−HK$361/mo
Today · 4.125%
HK$12,164
baseline
▲ 0.50% · 4.625%
HK$12,905
+HK$741/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,328/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,734
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,076
−HK$346/mo
Today · 4.125%
HK$13,422
baseline
▲ 0.50% · 4.625%
HK$14,130
+HK$708/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,844/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,354
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,770
−HK$422/mo
Today · 4.125%
HK$14,192
baseline
▲ 0.50% · 4.625%
HK$15,055
+HK$863/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$28,384/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,857
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,255
−HK$404/mo
Today · 4.125%
HK$15,659
baseline
▲ 0.50% · 4.625%
HK$16,485
+HK$826/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$31,318/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,170
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,704
−HK$543/mo
Today · 4.125%
HK$18,247
baseline
▲ 0.50% · 4.625%
HK$19,357
+HK$1,110/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,494/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,101
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,614
−HK$519/mo
Today · 4.125%
HK$20,133
baseline
▲ 0.50% · 4.625%
HK$21,195
+HK$1,062/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,266/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,753 · 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).