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$9,505
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,801
−HK$300/mo
Today · 4.125%
HK$10,101
baseline
▲ 0.50% · 4.625%
HK$10,716
+HK$615/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,202/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,574
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,858
−HK$287/mo
Today · 4.125%
HK$11,145
baseline
▲ 0.50% · 4.625%
HK$11,733
+HK$588/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,290/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,406
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,761
−HK$360/mo
Today · 4.125%
HK$12,121
baseline
▲ 0.50% · 4.625%
HK$12,859
+HK$738/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,242/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,689
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,029
−HK$345/mo
Today · 4.125%
HK$13,374
baseline
▲ 0.50% · 4.625%
HK$14,079
+HK$705/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,748/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,307
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,721
−HK$420/mo
Today · 4.125%
HK$14,141
baseline
▲ 0.50% · 4.625%
HK$15,002
+HK$861/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,282/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,804
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,201
−HK$403/mo
Today · 4.125%
HK$15,604
baseline
▲ 0.50% · 4.625%
HK$16,426
+HK$822/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,208/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,109
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,641
−HK$541/mo
Today · 4.125%
HK$18,182
baseline
▲ 0.50% · 4.625%
HK$19,288
+HK$1,106/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,364/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$33,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,033
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,544
−HK$518/mo
Today · 4.125%
HK$20,062
baseline
▲ 0.50% · 4.625%
HK$21,119
+HK$1,057/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,124/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$33,768 · 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).