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$9,432
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,725
−HK$298/mo
Today · 4.125%
HK$10,023
baseline
▲ 0.50% · 4.625%
HK$10,633
+HK$610/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,046/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,493
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,774
−HK$286/mo
Today · 4.125%
HK$11,060
baseline
▲ 0.50% · 4.625%
HK$11,643
+HK$583/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,120/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,318
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,670
−HK$358/mo
Today · 4.125%
HK$12,028
baseline
▲ 0.50% · 4.625%
HK$12,760
+HK$732/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,056/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,591
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,929
−HK$342/mo
Today · 4.125%
HK$13,271
baseline
▲ 0.50% · 4.625%
HK$13,971
+HK$700/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,542/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,204
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,615
−HK$417/mo
Today · 4.125%
HK$14,032
baseline
▲ 0.50% · 4.625%
HK$14,886
+HK$854/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,064/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,690
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,084
−HK$399/mo
Today · 4.125%
HK$15,483
baseline
▲ 0.50% · 4.625%
HK$16,300
+HK$817/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$30,966/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,977
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,505
−HK$537/mo
Today · 4.125%
HK$18,042
baseline
▲ 0.50% · 4.625%
HK$19,139
+HK$1,097/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$36,084/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,887
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,393
−HK$514/mo
Today · 4.125%
HK$19,907
baseline
▲ 0.50% · 4.625%
HK$20,957
+HK$1,050/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$39,814/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,351 · 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).