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$9,516
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,812
−HK$301/mo
Today · 4.125%
HK$10,113
baseline
▲ 0.50% · 4.625%
HK$10,728
+HK$615/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,226/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,587
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,871
−HK$288/mo
Today · 4.125%
HK$11,159
baseline
▲ 0.50% · 4.625%
HK$11,747
+HK$588/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,318/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,419
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,775
−HK$361/mo
Today · 4.125%
HK$12,136
baseline
▲ 0.50% · 4.625%
HK$12,874
+HK$738/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,272/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,704
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,045
−HK$345/mo
Today · 4.125%
HK$13,390
baseline
▲ 0.50% · 4.625%
HK$14,096
+HK$706/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,780/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,323
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,737
−HK$421/mo
Today · 4.125%
HK$14,158
baseline
▲ 0.50% · 4.625%
HK$15,020
+HK$862/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,316/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,821
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,219
−HK$403/mo
Today · 4.125%
HK$15,622
baseline
▲ 0.50% · 4.625%
HK$16,446
+HK$824/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,244/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,129
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,662
−HK$541/mo
Today · 4.125%
HK$18,203
baseline
▲ 0.50% · 4.625%
HK$19,311
+HK$1,108/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$36,406/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,056
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,567
−HK$519/mo
Today · 4.125%
HK$20,086
baseline
▲ 0.50% · 4.625%
HK$21,144
+HK$1,058/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$40,172/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,761 · 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).