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$9,502
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,798
−HK$300/mo
Today · 4.125%
HK$10,098
baseline
▲ 0.50% · 4.625%
HK$10,713
+HK$615/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,196/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,571
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,855
−HK$287/mo
Today · 4.125%
HK$11,142
baseline
▲ 0.50% · 4.625%
HK$11,730
+HK$588/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,284/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,403
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,757
−HK$361/mo
Today · 4.125%
HK$12,118
baseline
▲ 0.50% · 4.625%
HK$12,855
+HK$737/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,236/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,685
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,026
−HK$345/mo
Today · 4.125%
HK$13,371
baseline
▲ 0.50% · 4.625%
HK$14,075
+HK$704/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,742/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,303
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,717
−HK$420/mo
Today · 4.125%
HK$14,137
baseline
▲ 0.50% · 4.625%
HK$14,998
+HK$861/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,274/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,800
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,196
−HK$403/mo
Today · 4.125%
HK$15,599
baseline
▲ 0.50% · 4.625%
HK$16,421
+HK$822/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,198/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,104
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,636
−HK$541/mo
Today · 4.125%
HK$18,177
baseline
▲ 0.50% · 4.625%
HK$19,283
+HK$1,106/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,354/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$33,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,028
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,538
−HK$518/mo
Today · 4.125%
HK$20,056
baseline
▲ 0.50% · 4.625%
HK$21,113
+HK$1,057/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,112/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$33,535 · 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).