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$9,462
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,756
−HK$299/mo
Today · 4.125%
HK$10,055
baseline
▲ 0.50% · 4.625%
HK$10,667
+HK$612/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,110/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$30,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,527
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,809
−HK$286/mo
Today · 4.125%
HK$11,095
baseline
▲ 0.50% · 4.625%
HK$11,680
+HK$585/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,190/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$30,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,355
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,708
−HK$359/mo
Today · 4.125%
HK$12,067
baseline
▲ 0.50% · 4.625%
HK$12,801
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,134/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,632
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,971
−HK$343/mo
Today · 4.125%
HK$13,314
baseline
▲ 0.50% · 4.625%
HK$14,016
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,628/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,247
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,659
−HK$419/mo
Today · 4.125%
HK$14,078
baseline
▲ 0.50% · 4.625%
HK$14,934
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,156/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$30,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,737
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,132
−HK$401/mo
Today · 4.125%
HK$15,533
baseline
▲ 0.50% · 4.625%
HK$16,352
+HK$819/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,066/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$30,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,032
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,562
−HK$538/mo
Today · 4.125%
HK$18,100
baseline
▲ 0.50% · 4.625%
HK$19,201
+HK$1,101/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$36,200/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$30,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,948
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,456
−HK$515/mo
Today · 4.125%
HK$19,971
baseline
▲ 0.50% · 4.625%
HK$21,024
+HK$1,053/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$39,942/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$30,017 · 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).