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$9,541
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,838
−HK$301/mo
Today · 4.125%
HK$10,139
baseline
▲ 0.50% · 4.625%
HK$10,756
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,278/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,614
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,899
−HK$289/mo
Today · 4.125%
HK$11,188
baseline
▲ 0.50% · 4.625%
HK$11,777
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,376/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,449
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,805
−HK$362/mo
Today · 4.125%
HK$12,167
baseline
▲ 0.50% · 4.625%
HK$12,907
+HK$740/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,334/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,737
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,079
−HK$346/mo
Today · 4.125%
HK$13,425
baseline
▲ 0.50% · 4.625%
HK$14,133
+HK$708/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,850/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,357
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,773
−HK$422/mo
Today · 4.125%
HK$14,195
baseline
▲ 0.50% · 4.625%
HK$15,059
+HK$864/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,390/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,860
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,258
−HK$405/mo
Today · 4.125%
HK$15,663
baseline
▲ 0.50% · 4.625%
HK$16,488
+HK$825/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,326/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,174
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,708
−HK$543/mo
Today · 4.125%
HK$18,251
baseline
▲ 0.50% · 4.625%
HK$19,361
+HK$1,110/mo
Deposit HK$418K · loan HK$3.77M · min. income ≈ HK$36,502/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,105
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,618
−HK$520/mo
Today · 4.125%
HK$20,138
baseline
▲ 0.50% · 4.625%
HK$21,199
+HK$1,061/mo
Deposit HK$418K · loan HK$3.77M · min. income ≈ HK$40,276/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,926 · 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).