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$9,503
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,799
−HK$300/mo
Today · 4.125%
HK$10,099
baseline
▲ 0.50% · 4.625%
HK$10,714
+HK$615/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,198/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,572
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,856
−HK$287/mo
Today · 4.125%
HK$11,143
baseline
▲ 0.50% · 4.625%
HK$11,731
+HK$588/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,286/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$33,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,404
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,758
−HK$361/mo
Today · 4.125%
HK$12,119
baseline
▲ 0.50% · 4.625%
HK$12,856
+HK$737/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,238/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,687
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,027
−HK$345/mo
Today · 4.125%
HK$13,372
baseline
▲ 0.50% · 4.625%
HK$14,077
+HK$705/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,744/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$33,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,304
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,718
−HK$421/mo
Today · 4.125%
HK$14,139
baseline
▲ 0.50% · 4.625%
HK$14,999
+HK$860/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,278/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,801
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,198
−HK$403/mo
Today · 4.125%
HK$15,601
baseline
▲ 0.50% · 4.625%
HK$16,423
+HK$822/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,202/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$33,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,106
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,638
−HK$540/mo
Today · 4.125%
HK$18,178
baseline
▲ 0.50% · 4.625%
HK$19,284
+HK$1,106/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,356/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$33,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,030
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,540
−HK$518/mo
Today · 4.125%
HK$20,058
baseline
▲ 0.50% · 4.625%
HK$21,115
+HK$1,057/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,116/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$33,616 · 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).