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$9,480
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,774
−HK$300/mo
Today · 4.125%
HK$10,074
baseline
▲ 0.50% · 4.625%
HK$10,687
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,148/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,546
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,829
−HK$287/mo
Today · 4.125%
HK$11,116
baseline
▲ 0.50% · 4.625%
HK$11,702
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,232/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,376
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,729
−HK$360/mo
Today · 4.125%
HK$12,089
baseline
▲ 0.50% · 4.625%
HK$12,824
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,178/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,655
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,995
−HK$344/mo
Today · 4.125%
HK$13,339
baseline
▲ 0.50% · 4.625%
HK$14,042
+HK$703/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,678/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,271
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,684
−HK$420/mo
Today · 4.125%
HK$14,104
baseline
▲ 0.50% · 4.625%
HK$14,962
+HK$858/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,208/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,764
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,160
−HK$402/mo
Today · 4.125%
HK$15,562
baseline
▲ 0.50% · 4.625%
HK$16,382
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,124/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,063
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,594
−HK$539/mo
Today · 4.125%
HK$18,133
baseline
▲ 0.50% · 4.625%
HK$19,237
+HK$1,104/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,266/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,983
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,492
−HK$516/mo
Today · 4.125%
HK$20,008
baseline
▲ 0.50% · 4.625%
HK$21,063
+HK$1,055/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,016/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,552 · 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).