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$9,514
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,810
−HK$301/mo
Today · 4.125%
HK$10,111
baseline
▲ 0.50% · 4.625%
HK$10,726
+HK$615/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,222/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,585
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,868
−HK$288/mo
Today · 4.125%
HK$11,156
baseline
▲ 0.50% · 4.625%
HK$11,744
+HK$588/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,312/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,417
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,772
−HK$361/mo
Today · 4.125%
HK$12,133
baseline
▲ 0.50% · 4.625%
HK$12,871
+HK$738/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,266/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,701
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,042
−HK$346/mo
Today · 4.125%
HK$13,388
baseline
▲ 0.50% · 4.625%
HK$14,093
+HK$705/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,776/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,320
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,734
−HK$421/mo
Today · 4.125%
HK$14,155
baseline
▲ 0.50% · 4.625%
HK$15,017
+HK$862/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,310/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,818
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,216
−HK$403/mo
Today · 4.125%
HK$15,619
baseline
▲ 0.50% · 4.625%
HK$16,442
+HK$823/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,238/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,126
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,658
−HK$542/mo
Today · 4.125%
HK$18,200
baseline
▲ 0.50% · 4.625%
HK$19,307
+HK$1,107/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$36,400/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,052
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,563
−HK$518/mo
Today · 4.125%
HK$20,081
baseline
▲ 0.50% · 4.625%
HK$21,140
+HK$1,059/mo
Deposit HK$417K · loan HK$3.76M · min. income ≈ HK$40,162/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$34,590 · 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).