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$9,531
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,828
−HK$301/mo
Today · 4.125%
HK$10,129
baseline
▲ 0.50% · 4.625%
HK$10,745
+HK$616/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,258/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,603
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,888
−HK$288/mo
Today · 4.125%
HK$11,176
baseline
▲ 0.50% · 4.625%
HK$11,765
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,352/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,437
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,793
−HK$362/mo
Today · 4.125%
HK$12,155
baseline
▲ 0.50% · 4.625%
HK$12,894
+HK$739/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,310/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,724
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,065
−HK$346/mo
Today · 4.125%
HK$13,411
baseline
▲ 0.50% · 4.625%
HK$14,118
+HK$707/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,822/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,344
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,759
−HK$421/mo
Today · 4.125%
HK$14,180
baseline
▲ 0.50% · 4.625%
HK$15,043
+HK$863/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$28,360/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,845
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,243
−HK$404/mo
Today · 4.125%
HK$15,647
baseline
▲ 0.50% · 4.625%
HK$16,471
+HK$824/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$31,294/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,156
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,690
−HK$542/mo
Today · 4.125%
HK$18,232
baseline
▲ 0.50% · 4.625%
HK$19,341
+HK$1,109/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,464/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$36,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,086
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,598
−HK$519/mo
Today · 4.125%
HK$20,117
baseline
▲ 0.50% · 4.625%
HK$21,177
+HK$1,060/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,234/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$36,067 · 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).