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$9,526
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,822
−HK$301/mo
Today · 4.125%
HK$10,123
baseline
▲ 0.50% · 4.625%
HK$10,739
+HK$616/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,246/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,597
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,882
−HK$288/mo
Today · 4.125%
HK$11,170
baseline
▲ 0.50% · 4.625%
HK$11,759
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,340/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,431
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,787
−HK$361/mo
Today · 4.125%
HK$12,148
baseline
▲ 0.50% · 4.625%
HK$12,887
+HK$739/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,296/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,717
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,058
−HK$346/mo
Today · 4.125%
HK$13,404
baseline
▲ 0.50% · 4.625%
HK$14,110
+HK$706/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,808/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,336
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,751
−HK$421/mo
Today · 4.125%
HK$14,172
baseline
▲ 0.50% · 4.625%
HK$15,035
+HK$863/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,344/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,836
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,234
−HK$404/mo
Today · 4.125%
HK$15,638
baseline
▲ 0.50% · 4.625%
HK$16,462
+HK$824/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,276/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,147
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,680
−HK$542/mo
Today · 4.125%
HK$18,222
baseline
▲ 0.50% · 4.625%
HK$19,330
+HK$1,108/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,444/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,075
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,587
−HK$519/mo
Today · 4.125%
HK$20,106
baseline
▲ 0.50% · 4.625%
HK$21,166
+HK$1,060/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,212/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,606 · 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).