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$9,489
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,784
−HK$300/mo
Today · 4.125%
HK$10,084
baseline
▲ 0.50% · 4.625%
HK$10,697
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,168/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,556
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,839
−HK$287/mo
Today · 4.125%
HK$11,126
baseline
▲ 0.50% · 4.625%
HK$11,713
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,252/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,386
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,740
−HK$360/mo
Today · 4.125%
HK$12,100
baseline
▲ 0.50% · 4.625%
HK$12,837
+HK$737/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$24,200/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,667
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,007
−HK$344/mo
Today · 4.125%
HK$13,351
baseline
▲ 0.50% · 4.625%
HK$14,055
+HK$704/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$26,702/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,284
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,697
−HK$420/mo
Today · 4.125%
HK$14,117
baseline
▲ 0.50% · 4.625%
HK$14,976
+HK$859/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,234/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,778
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,175
−HK$402/mo
Today · 4.125%
HK$15,577
baseline
▲ 0.50% · 4.625%
HK$16,398
+HK$821/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,154/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,079
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,611
−HK$539/mo
Today · 4.125%
HK$18,150
baseline
▲ 0.50% · 4.625%
HK$19,255
+HK$1,105/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$36,300/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,001
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,510
−HK$517/mo
Today · 4.125%
HK$20,027
baseline
▲ 0.50% · 4.625%
HK$21,083
+HK$1,056/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$40,054/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,332 · 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).