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$9,521
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,817
−HK$301/mo
Today · 4.125%
HK$10,118
baseline
▲ 0.50% · 4.625%
HK$10,734
+HK$616/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,236/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,592
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,876
−HK$288/mo
Today · 4.125%
HK$11,164
baseline
▲ 0.50% · 4.625%
HK$11,753
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,328/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,425
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,780
−HK$361/mo
Today · 4.125%
HK$12,141
baseline
▲ 0.50% · 4.625%
HK$12,880
+HK$739/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,282/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,710
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,051
−HK$346/mo
Today · 4.125%
HK$13,397
baseline
▲ 0.50% · 4.625%
HK$14,103
+HK$706/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,794/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,329
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,744
−HK$421/mo
Today · 4.125%
HK$14,165
baseline
▲ 0.50% · 4.625%
HK$15,027
+HK$862/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,330/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,829
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,226
−HK$404/mo
Today · 4.125%
HK$15,630
baseline
▲ 0.50% · 4.625%
HK$16,454
+HK$824/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,260/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,137
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,671
−HK$541/mo
Today · 4.125%
HK$18,212
baseline
▲ 0.50% · 4.625%
HK$19,320
+HK$1,108/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,424/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,065
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,577
−HK$518/mo
Today · 4.125%
HK$20,095
baseline
▲ 0.50% · 4.625%
HK$21,155
+HK$1,060/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,190/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,167 · 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).