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$9,528
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,824
−HK$301/mo
Today · 4.125%
HK$10,125
baseline
▲ 0.50% · 4.625%
HK$10,741
+HK$616/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,250/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,599
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,884
−HK$288/mo
Today · 4.125%
HK$11,172
baseline
▲ 0.50% · 4.625%
HK$11,761
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,344/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,433
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,789
−HK$361/mo
Today · 4.125%
HK$12,150
baseline
▲ 0.50% · 4.625%
HK$12,890
+HK$740/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,300/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,719
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,060
−HK$347/mo
Today · 4.125%
HK$13,407
baseline
▲ 0.50% · 4.625%
HK$14,113
+HK$706/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,814/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,339
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,754
−HK$421/mo
Today · 4.125%
HK$14,175
baseline
▲ 0.50% · 4.625%
HK$15,038
+HK$863/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,350/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,839
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,237
−HK$404/mo
Today · 4.125%
HK$15,641
baseline
▲ 0.50% · 4.625%
HK$16,465
+HK$824/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,282/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,150
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,683
−HK$542/mo
Today · 4.125%
HK$18,225
baseline
▲ 0.50% · 4.625%
HK$19,334
+HK$1,109/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,450/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$35,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,079
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,591
−HK$519/mo
Today · 4.125%
HK$20,110
baseline
▲ 0.50% · 4.625%
HK$21,170
+HK$1,060/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,220/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$35,769 · 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).