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$9,548
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,845
−HK$302/mo
Today · 4.125%
HK$10,147
baseline
▲ 0.50% · 4.625%
HK$10,764
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,294/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,622
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,907
−HK$289/mo
Today · 4.125%
HK$11,196
baseline
▲ 0.50% · 4.625%
HK$11,786
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,392/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,458
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,814
−HK$362/mo
Today · 4.125%
HK$12,176
baseline
▲ 0.50% · 4.625%
HK$12,917
+HK$741/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,352/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,746
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,088
−HK$347/mo
Today · 4.125%
HK$13,435
baseline
▲ 0.50% · 4.625%
HK$14,143
+HK$708/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,870/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,367
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,783
−HK$422/mo
Today · 4.125%
HK$14,205
baseline
▲ 0.50% · 4.625%
HK$15,070
+HK$865/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,410/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,871
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,270
−HK$404/mo
Today · 4.125%
HK$15,674
baseline
▲ 0.50% · 4.625%
HK$16,500
+HK$826/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,348/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,186
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,721
−HK$543/mo
Today · 4.125%
HK$18,264
baseline
▲ 0.50% · 4.625%
HK$19,375
+HK$1,111/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,528/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,120
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,632
−HK$521/mo
Today · 4.125%
HK$20,153
baseline
▲ 0.50% · 4.625%
HK$21,215
+HK$1,062/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,306/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,547 · 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).