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$9,497
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,792
−HK$301/mo
Today · 4.125%
HK$10,093
baseline
▲ 0.50% · 4.625%
HK$10,707
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,186/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,565
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,849
−HK$287/mo
Today · 4.125%
HK$11,136
baseline
▲ 0.50% · 4.625%
HK$11,723
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,272/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,396
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,751
−HK$360/mo
Today · 4.125%
HK$12,111
baseline
▲ 0.50% · 4.625%
HK$12,848
+HK$737/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,222/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,678
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,018
−HK$345/mo
Today · 4.125%
HK$13,363
baseline
▲ 0.50% · 4.625%
HK$14,068
+HK$705/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,726/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,296
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,709
−HK$421/mo
Today · 4.125%
HK$14,130
baseline
▲ 0.50% · 4.625%
HK$14,989
+HK$859/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,260/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,791
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,188
−HK$403/mo
Today · 4.125%
HK$15,591
baseline
▲ 0.50% · 4.625%
HK$16,412
+HK$821/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,182/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,095
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,626
−HK$541/mo
Today · 4.125%
HK$18,167
baseline
▲ 0.50% · 4.625%
HK$19,272
+HK$1,105/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$36,334/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$33,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,018
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,528
−HK$517/mo
Today · 4.125%
HK$20,045
baseline
▲ 0.50% · 4.625%
HK$21,102
+HK$1,057/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$40,090/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$33,074 · 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).