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$9,532
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,829
−HK$301/mo
Today · 4.125%
HK$10,130
baseline
▲ 0.50% · 4.625%
HK$10,746
+HK$616/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,260/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,604
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,889
−HK$288/mo
Today · 4.125%
HK$11,177
baseline
▲ 0.50% · 4.625%
HK$11,766
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,354/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,438
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,794
−HK$362/mo
Today · 4.125%
HK$12,156
baseline
▲ 0.50% · 4.625%
HK$12,895
+HK$739/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,312/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,725
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,066
−HK$347/mo
Today · 4.125%
HK$13,413
baseline
▲ 0.50% · 4.625%
HK$14,120
+HK$707/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,826/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,345
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,760
−HK$422/mo
Today · 4.125%
HK$14,182
baseline
▲ 0.50% · 4.625%
HK$15,045
+HK$863/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$28,364/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,846
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,244
−HK$404/mo
Today · 4.125%
HK$15,648
baseline
▲ 0.50% · 4.625%
HK$16,473
+HK$825/mo
Deposit HK$1.25M · loan HK$2.93M · min. income ≈ HK$31,296/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,158
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,691
−HK$543/mo
Today · 4.125%
HK$18,234
baseline
▲ 0.50% · 4.625%
HK$19,343
+HK$1,109/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,468/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$36,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,088
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,600
−HK$519/mo
Today · 4.125%
HK$20,119
baseline
▲ 0.50% · 4.625%
HK$21,179
+HK$1,060/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,238/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$36,148 · 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).