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$9,491
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,787
−HK$300/mo
Today · 4.125%
HK$10,087
baseline
▲ 0.50% · 4.625%
HK$10,700
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,174/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,559
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,842
−HK$288/mo
Today · 4.125%
HK$11,130
baseline
▲ 0.50% · 4.625%
HK$11,716
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,260/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,390
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,744
−HK$360/mo
Today · 4.125%
HK$12,104
baseline
▲ 0.50% · 4.625%
HK$12,840
+HK$736/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$24,208/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,671
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,011
−HK$345/mo
Today · 4.125%
HK$13,356
baseline
▲ 0.50% · 4.625%
HK$14,060
+HK$704/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$26,712/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,288
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,701
−HK$420/mo
Today · 4.125%
HK$14,121
baseline
▲ 0.50% · 4.625%
HK$14,981
+HK$860/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,242/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,783
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,179
−HK$402/mo
Today · 4.125%
HK$15,581
baseline
▲ 0.50% · 4.625%
HK$16,403
+HK$822/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,162/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,085
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,616
−HK$540/mo
Today · 4.125%
HK$18,156
baseline
▲ 0.50% · 4.625%
HK$19,261
+HK$1,105/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$36,312/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,006
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,516
−HK$517/mo
Today · 4.125%
HK$20,033
baseline
▲ 0.50% · 4.625%
HK$21,089
+HK$1,056/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$40,066/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,591 · 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).