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$9,517
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,813
−HK$301/mo
Today · 4.125%
HK$10,114
baseline
▲ 0.50% · 4.625%
HK$10,730
+HK$616/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,228/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,588
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,872
−HK$288/mo
Today · 4.125%
HK$11,160
baseline
▲ 0.50% · 4.625%
HK$11,748
+HK$588/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,320/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,421
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,776
−HK$361/mo
Today · 4.125%
HK$12,137
baseline
▲ 0.50% · 4.625%
HK$12,876
+HK$739/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,274/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,706
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,046
−HK$346/mo
Today · 4.125%
HK$13,392
baseline
▲ 0.50% · 4.625%
HK$14,098
+HK$706/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,784/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,324
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,739
−HK$421/mo
Today · 4.125%
HK$14,160
baseline
▲ 0.50% · 4.625%
HK$15,022
+HK$862/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,320/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,823
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,221
−HK$403/mo
Today · 4.125%
HK$15,624
baseline
▲ 0.50% · 4.625%
HK$16,448
+HK$824/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,248/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,131
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,664
−HK$542/mo
Today · 4.125%
HK$18,206
baseline
▲ 0.50% · 4.625%
HK$19,313
+HK$1,107/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$36,412/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,058
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,570
−HK$518/mo
Today · 4.125%
HK$20,088
baseline
▲ 0.50% · 4.625%
HK$21,147
+HK$1,059/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$40,176/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,869 · 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).