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$9,451
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,745
−HK$298/mo
Today · 4.125%
HK$10,043
baseline
▲ 0.50% · 4.625%
HK$10,654
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,086/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,514
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,796
−HK$286/mo
Today · 4.125%
HK$11,082
baseline
▲ 0.50% · 4.625%
HK$11,666
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,164/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,341
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,694
−HK$358/mo
Today · 4.125%
HK$12,052
baseline
▲ 0.50% · 4.625%
HK$12,785
+HK$733/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,104/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,617
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,955
−HK$343/mo
Today · 4.125%
HK$13,298
baseline
▲ 0.50% · 4.625%
HK$13,999
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,596/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,231
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,643
−HK$418/mo
Today · 4.125%
HK$14,061
baseline
▲ 0.50% · 4.625%
HK$14,916
+HK$855/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,122/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,719
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,114
−HK$401/mo
Today · 4.125%
HK$15,515
baseline
▲ 0.50% · 4.625%
HK$16,332
+HK$817/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,030/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,011
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,540
−HK$538/mo
Today · 4.125%
HK$18,078
baseline
▲ 0.50% · 4.625%
HK$19,178
+HK$1,100/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$36,156/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$29,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,925
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,432
−HK$515/mo
Today · 4.125%
HK$19,947
baseline
▲ 0.50% · 4.625%
HK$20,999
+HK$1,052/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$39,894/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$29,015 · 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).