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$9,495
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,790
−HK$300/mo
Today · 4.125%
HK$10,090
baseline
▲ 0.50% · 4.625%
HK$10,704
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,180/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,563
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,846
−HK$288/mo
Today · 4.125%
HK$11,134
baseline
▲ 0.50% · 4.625%
HK$11,721
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,268/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,394
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,748
−HK$360/mo
Today · 4.125%
HK$12,108
baseline
▲ 0.50% · 4.625%
HK$12,845
+HK$737/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,216/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,676
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,016
−HK$344/mo
Today · 4.125%
HK$13,360
baseline
▲ 0.50% · 4.625%
HK$14,065
+HK$705/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,720/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,293
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,706
−HK$420/mo
Today · 4.125%
HK$14,126
baseline
▲ 0.50% · 4.625%
HK$14,986
+HK$860/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,252/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,788
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,185
−HK$402/mo
Today · 4.125%
HK$15,587
baseline
▲ 0.50% · 4.625%
HK$16,409
+HK$822/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,174/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,091
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,623
−HK$540/mo
Today · 4.125%
HK$18,163
baseline
▲ 0.50% · 4.625%
HK$19,268
+HK$1,105/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$36,326/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,013
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,523
−HK$518/mo
Today · 4.125%
HK$20,041
baseline
▲ 0.50% · 4.625%
HK$21,097
+HK$1,056/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$40,082/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,896 · 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).