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$9,520
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,816
−HK$301/mo
Today · 4.125%
HK$10,117
baseline
▲ 0.50% · 4.625%
HK$10,732
+HK$615/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,234/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,591
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,875
−HK$288/mo
Today · 4.125%
HK$11,163
baseline
▲ 0.50% · 4.625%
HK$11,751
+HK$588/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,326/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,424
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,779
−HK$361/mo
Today · 4.125%
HK$12,140
baseline
▲ 0.50% · 4.625%
HK$12,879
+HK$739/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,280/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,709
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,050
−HK$345/mo
Today · 4.125%
HK$13,395
baseline
▲ 0.50% · 4.625%
HK$14,101
+HK$706/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,790/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,328
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,742
−HK$421/mo
Today · 4.125%
HK$14,163
baseline
▲ 0.50% · 4.625%
HK$15,025
+HK$862/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,326/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,827
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,224
−HK$404/mo
Today · 4.125%
HK$15,628
baseline
▲ 0.50% · 4.625%
HK$16,452
+HK$824/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,256/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,135
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,668
−HK$542/mo
Today · 4.125%
HK$18,210
baseline
▲ 0.50% · 4.625%
HK$19,318
+HK$1,108/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$36,420/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,063
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,574
−HK$519/mo
Today · 4.125%
HK$20,093
baseline
▲ 0.50% · 4.625%
HK$21,152
+HK$1,059/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$40,186/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,068 · 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).