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$9,519
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,815
−HK$301/mo
Today · 4.125%
HK$10,116
baseline
▲ 0.50% · 4.625%
HK$10,731
+HK$615/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,232/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,590
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,874
−HK$288/mo
Today · 4.125%
HK$11,162
baseline
▲ 0.50% · 4.625%
HK$11,750
+HK$588/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,324/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,423
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,778
−HK$361/mo
Today · 4.125%
HK$12,139
baseline
▲ 0.50% · 4.625%
HK$12,878
+HK$739/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,278/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,708
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,048
−HK$346/mo
Today · 4.125%
HK$13,394
baseline
▲ 0.50% · 4.625%
HK$14,100
+HK$706/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,788/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,326
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,741
−HK$421/mo
Today · 4.125%
HK$14,162
baseline
▲ 0.50% · 4.625%
HK$15,024
+HK$862/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,324/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,826
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,223
−HK$404/mo
Today · 4.125%
HK$15,627
baseline
▲ 0.50% · 4.625%
HK$16,450
+HK$823/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,254/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,134
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,667
−HK$542/mo
Today · 4.125%
HK$18,209
baseline
▲ 0.50% · 4.625%
HK$19,316
+HK$1,107/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$36,418/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,061
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,573
−HK$518/mo
Today · 4.125%
HK$20,091
baseline
▲ 0.50% · 4.625%
HK$21,150
+HK$1,059/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$40,182/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,999 · 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).