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$9,551
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,848
−HK$302/mo
Today · 4.125%
HK$10,150
baseline
▲ 0.50% · 4.625%
HK$10,768
+HK$618/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,300/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,626
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,911
−HK$289/mo
Today · 4.125%
HK$11,200
baseline
▲ 0.50% · 4.625%
HK$11,790
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,400/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,462
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,818
−HK$362/mo
Today · 4.125%
HK$12,180
baseline
▲ 0.50% · 4.625%
HK$12,922
+HK$742/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$24,360/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,751
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,093
−HK$347/mo
Today · 4.125%
HK$13,440
baseline
▲ 0.50% · 4.625%
HK$14,148
+HK$708/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$26,880/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,372
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,788
−HK$422/mo
Today · 4.125%
HK$14,210
baseline
▲ 0.50% · 4.625%
HK$15,075
+HK$865/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,420/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,876
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,275
−HK$405/mo
Today · 4.125%
HK$15,680
baseline
▲ 0.50% · 4.625%
HK$16,506
+HK$826/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,360/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,192
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,727
−HK$544/mo
Today · 4.125%
HK$18,271
baseline
▲ 0.50% · 4.625%
HK$19,382
+HK$1,111/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,542/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$37,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,126
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,639
−HK$521/mo
Today · 4.125%
HK$20,160
baseline
▲ 0.50% · 4.625%
HK$21,222
+HK$1,062/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,320/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$37,847 · 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).