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$9,542
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,839
−HK$302/mo
Today · 4.125%
HK$10,141
baseline
▲ 0.50% · 4.625%
HK$10,758
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,282/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,616
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,900
−HK$289/mo
Today · 4.125%
HK$11,189
baseline
▲ 0.50% · 4.625%
HK$11,779
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,378/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,451
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,807
−HK$362/mo
Today · 4.125%
HK$12,169
baseline
▲ 0.50% · 4.625%
HK$12,909
+HK$740/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,338/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,739
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,081
−HK$346/mo
Today · 4.125%
HK$13,427
baseline
▲ 0.50% · 4.625%
HK$14,135
+HK$708/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,854/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,359
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,775
−HK$422/mo
Today · 4.125%
HK$14,197
baseline
▲ 0.50% · 4.625%
HK$15,061
+HK$864/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,394/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,862
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,261
−HK$404/mo
Today · 4.125%
HK$15,665
baseline
▲ 0.50% · 4.625%
HK$16,491
+HK$826/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,330/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,176
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,710
−HK$543/mo
Today · 4.125%
HK$18,253
baseline
▲ 0.50% · 4.625%
HK$19,364
+HK$1,111/mo
Deposit HK$418K · loan HK$3.77M · min. income ≈ HK$36,506/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,108
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,621
−HK$520/mo
Today · 4.125%
HK$20,141
baseline
▲ 0.50% · 4.625%
HK$21,202
+HK$1,061/mo
Deposit HK$418K · loan HK$3.77M · min. income ≈ HK$40,282/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,053 · 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).