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$9,491
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,786
−HK$300/mo
Today · 4.125%
HK$10,086
baseline
▲ 0.50% · 4.625%
HK$10,700
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,172/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,559
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,842
−HK$287/mo
Today · 4.125%
HK$11,129
baseline
▲ 0.50% · 4.625%
HK$11,716
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,258/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,389
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,743
−HK$360/mo
Today · 4.125%
HK$12,103
baseline
▲ 0.50% · 4.625%
HK$12,840
+HK$737/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$24,206/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,670
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,010
−HK$345/mo
Today · 4.125%
HK$13,355
baseline
▲ 0.50% · 4.625%
HK$14,059
+HK$704/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$26,710/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,287
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,701
−HK$419/mo
Today · 4.125%
HK$14,120
baseline
▲ 0.50% · 4.625%
HK$14,980
+HK$860/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,240/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,782
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,178
−HK$403/mo
Today · 4.125%
HK$15,581
baseline
▲ 0.50% · 4.625%
HK$16,402
+HK$821/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,162/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,084
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,615
−HK$540/mo
Today · 4.125%
HK$18,155
baseline
▲ 0.50% · 4.625%
HK$19,260
+HK$1,105/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$36,310/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,005
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,515
−HK$517/mo
Today · 4.125%
HK$20,032
baseline
▲ 0.50% · 4.625%
HK$21,088
+HK$1,056/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$40,064/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,540 · 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).