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$9,534
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,831
−HK$301/mo
Today · 4.125%
HK$10,132
baseline
▲ 0.50% · 4.625%
HK$10,749
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,264/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,607
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,891
−HK$289/mo
Today · 4.125%
HK$11,180
baseline
▲ 0.50% · 4.625%
HK$11,769
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,360/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,441
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,797
−HK$362/mo
Today · 4.125%
HK$12,159
baseline
▲ 0.50% · 4.625%
HK$12,898
+HK$739/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,318/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,728
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,069
−HK$347/mo
Today · 4.125%
HK$13,416
baseline
▲ 0.50% · 4.625%
HK$14,123
+HK$707/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,832/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,348
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,763
−HK$422/mo
Today · 4.125%
HK$14,185
baseline
▲ 0.50% · 4.625%
HK$15,048
+HK$863/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$28,370/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,849
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,248
−HK$404/mo
Today · 4.125%
HK$15,652
baseline
▲ 0.50% · 4.625%
HK$16,477
+HK$825/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$31,304/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,162
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,696
−HK$542/mo
Today · 4.125%
HK$18,238
baseline
▲ 0.50% · 4.625%
HK$19,348
+HK$1,110/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,476/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$36,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,092
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,604
−HK$520/mo
Today · 4.125%
HK$20,124
baseline
▲ 0.50% · 4.625%
HK$21,184
+HK$1,060/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,248/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$36,346 · 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).