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$9,501
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,796
−HK$301/mo
Today · 4.125%
HK$10,097
baseline
▲ 0.50% · 4.625%
HK$10,711
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,194/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,570
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,853
−HK$288/mo
Today · 4.125%
HK$11,141
baseline
▲ 0.50% · 4.625%
HK$11,728
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,282/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,401
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,756
−HK$360/mo
Today · 4.125%
HK$12,116
baseline
▲ 0.50% · 4.625%
HK$12,853
+HK$737/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,232/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,683
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,024
−HK$345/mo
Today · 4.125%
HK$13,369
baseline
▲ 0.50% · 4.625%
HK$14,073
+HK$704/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,738/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,301
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,715
−HK$420/mo
Today · 4.125%
HK$14,135
baseline
▲ 0.50% · 4.625%
HK$14,995
+HK$860/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,270/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,797
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,194
−HK$403/mo
Today · 4.125%
HK$15,597
baseline
▲ 0.50% · 4.625%
HK$16,419
+HK$822/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,194/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,101
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,633
−HK$541/mo
Today · 4.125%
HK$18,174
baseline
▲ 0.50% · 4.625%
HK$19,280
+HK$1,106/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,348/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$33,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,025
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,535
−HK$518/mo
Today · 4.125%
HK$20,053
baseline
▲ 0.50% · 4.625%
HK$21,110
+HK$1,057/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,106/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$33,410 · 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).