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$9,515
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,811
−HK$301/mo
Today · 4.125%
HK$10,112
baseline
▲ 0.50% · 4.625%
HK$10,727
+HK$615/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,224/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,585
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,869
−HK$288/mo
Today · 4.125%
HK$11,157
baseline
▲ 0.50% · 4.625%
HK$11,745
+HK$588/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,314/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,418
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,773
−HK$361/mo
Today · 4.125%
HK$12,134
baseline
▲ 0.50% · 4.625%
HK$12,872
+HK$738/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,268/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,702
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,043
−HK$346/mo
Today · 4.125%
HK$13,389
baseline
▲ 0.50% · 4.625%
HK$14,094
+HK$705/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,778/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,321
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,735
−HK$421/mo
Today · 4.125%
HK$14,156
baseline
▲ 0.50% · 4.625%
HK$15,018
+HK$862/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,312/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,819
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,217
−HK$403/mo
Today · 4.125%
HK$15,620
baseline
▲ 0.50% · 4.625%
HK$16,443
+HK$823/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,240/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,127
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,660
−HK$541/mo
Today · 4.125%
HK$18,201
baseline
▲ 0.50% · 4.625%
HK$19,308
+HK$1,107/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$36,402/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,054
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,565
−HK$518/mo
Today · 4.125%
HK$20,083
baseline
▲ 0.50% · 4.625%
HK$21,142
+HK$1,059/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$40,166/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,652 · 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).