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$9,524
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,820
−HK$301/mo
Today · 4.125%
HK$10,121
baseline
▲ 0.50% · 4.625%
HK$10,737
+HK$616/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,242/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,595
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,879
−HK$288/mo
Today · 4.125%
HK$11,167
baseline
▲ 0.50% · 4.625%
HK$11,756
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,334/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,428
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,784
−HK$361/mo
Today · 4.125%
HK$12,145
baseline
▲ 0.50% · 4.625%
HK$12,884
+HK$739/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,290/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,714
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,055
−HK$346/mo
Today · 4.125%
HK$13,401
baseline
▲ 0.50% · 4.625%
HK$14,107
+HK$706/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,802/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,333
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,748
−HK$421/mo
Today · 4.125%
HK$14,169
baseline
▲ 0.50% · 4.625%
HK$15,031
+HK$862/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,338/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,833
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,231
−HK$403/mo
Today · 4.125%
HK$15,634
baseline
▲ 0.50% · 4.625%
HK$16,459
+HK$825/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,268/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,143
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,676
−HK$542/mo
Today · 4.125%
HK$18,218
baseline
▲ 0.50% · 4.625%
HK$19,326
+HK$1,108/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,436/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,071
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,583
−HK$518/mo
Today · 4.125%
HK$20,101
baseline
▲ 0.50% · 4.625%
HK$21,161
+HK$1,060/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,202/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,419 · 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).