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$9,545
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,842
−HK$302/mo
Today · 4.125%
HK$10,144
baseline
▲ 0.50% · 4.625%
HK$10,761
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,288/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,619
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,904
−HK$288/mo
Today · 4.125%
HK$11,192
baseline
▲ 0.50% · 4.625%
HK$11,782
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,384/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,454
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,810
−HK$362/mo
Today · 4.125%
HK$12,172
baseline
▲ 0.50% · 4.625%
HK$12,913
+HK$741/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,344/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,743
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,084
−HK$347/mo
Today · 4.125%
HK$13,431
baseline
▲ 0.50% · 4.625%
HK$14,139
+HK$708/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,862/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,363
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,779
−HK$422/mo
Today · 4.125%
HK$14,201
baseline
▲ 0.50% · 4.625%
HK$15,065
+HK$864/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,402/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,866
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,265
−HK$404/mo
Today · 4.125%
HK$15,669
baseline
▲ 0.50% · 4.625%
HK$16,495
+HK$826/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,338/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,181
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,716
−HK$542/mo
Today · 4.125%
HK$18,258
baseline
▲ 0.50% · 4.625%
HK$19,369
+HK$1,111/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,516/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,114
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,626
−HK$520/mo
Today · 4.125%
HK$20,146
baseline
▲ 0.50% · 4.625%
HK$21,208
+HK$1,062/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,292/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,291 · 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).