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$9,509
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,805
−HK$300/mo
Today · 4.125%
HK$10,105
baseline
▲ 0.50% · 4.625%
HK$10,720
+HK$615/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,210/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,579
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,862
−HK$288/mo
Today · 4.125%
HK$11,150
baseline
▲ 0.50% · 4.625%
HK$11,738
+HK$588/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,300/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,411
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,766
−HK$360/mo
Today · 4.125%
HK$12,126
baseline
▲ 0.50% · 4.625%
HK$12,864
+HK$738/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,252/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,694
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,035
−HK$345/mo
Today · 4.125%
HK$13,380
baseline
▲ 0.50% · 4.625%
HK$14,086
+HK$706/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,760/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,313
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,727
−HK$420/mo
Today · 4.125%
HK$14,147
baseline
▲ 0.50% · 4.625%
HK$15,008
+HK$861/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,294/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,810
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,207
−HK$403/mo
Today · 4.125%
HK$15,610
baseline
▲ 0.50% · 4.625%
HK$16,433
+HK$823/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,220/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,116
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,649
−HK$541/mo
Today · 4.125%
HK$18,190
baseline
▲ 0.50% · 4.625%
HK$19,296
+HK$1,106/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,380/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$34,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,042
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,552
−HK$518/mo
Today · 4.125%
HK$20,070
baseline
▲ 0.50% · 4.625%
HK$21,128
+HK$1,058/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,140/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$34,132 · 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).