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$9,524
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,820
−HK$301/mo
Today · 4.125%
HK$10,121
baseline
▲ 0.50% · 4.625%
HK$10,737
+HK$616/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,242/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,595
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,880
−HK$288/mo
Today · 4.125%
HK$11,168
baseline
▲ 0.50% · 4.625%
HK$11,757
+HK$589/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,336/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$35,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,429
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,784
−HK$362/mo
Today · 4.125%
HK$12,146
baseline
▲ 0.50% · 4.625%
HK$12,885
+HK$739/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,292/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,715
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,056
−HK$346/mo
Today · 4.125%
HK$13,402
baseline
▲ 0.50% · 4.625%
HK$14,108
+HK$706/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,804/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$35,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,334
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,749
−HK$421/mo
Today · 4.125%
HK$14,170
baseline
▲ 0.50% · 4.625%
HK$15,032
+HK$862/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,340/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,834
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,232
−HK$403/mo
Today · 4.125%
HK$15,635
baseline
▲ 0.50% · 4.625%
HK$16,459
+HK$824/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,270/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$35,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,143
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,677
−HK$541/mo
Today · 4.125%
HK$18,218
baseline
▲ 0.50% · 4.625%
HK$19,327
+HK$1,109/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$36,436/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,072
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,583
−HK$519/mo
Today · 4.125%
HK$20,102
baseline
▲ 0.50% · 4.625%
HK$21,162
+HK$1,060/mo
Deposit HK$418K · loan HK$3.76M · min. income ≈ HK$40,204/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$35,455 · 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).