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$9,508
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,803
−HK$301/mo
Today · 4.125%
HK$10,104
baseline
▲ 0.50% · 4.625%
HK$10,719
+HK$615/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,208/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,577
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,861
−HK$288/mo
Today · 4.125%
HK$11,149
baseline
▲ 0.50% · 4.625%
HK$11,736
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,298/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,409
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,764
−HK$361/mo
Today · 4.125%
HK$12,125
baseline
▲ 0.50% · 4.625%
HK$12,863
+HK$738/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,250/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,693
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,033
−HK$345/mo
Today · 4.125%
HK$13,378
baseline
▲ 0.50% · 4.625%
HK$14,084
+HK$706/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,756/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,311
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,725
−HK$421/mo
Today · 4.125%
HK$14,146
baseline
▲ 0.50% · 4.625%
HK$15,006
+HK$860/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,292/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$34,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,808
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,205
−HK$403/mo
Today · 4.125%
HK$15,608
baseline
▲ 0.50% · 4.625%
HK$16,431
+HK$823/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,216/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$34,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,114
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,646
−HK$541/mo
Today · 4.125%
HK$18,187
baseline
▲ 0.50% · 4.625%
HK$19,294
+HK$1,107/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,374/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$34,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,039
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,550
−HK$518/mo
Today · 4.125%
HK$20,068
baseline
▲ 0.50% · 4.625%
HK$21,125
+HK$1,057/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,136/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$34,018 · 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).