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$9,418
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,711
−HK$298/mo
Today · 4.125%
HK$10,009
baseline
▲ 0.50% · 4.625%
HK$10,618
+HK$609/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,018/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,478
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,759
−HK$285/mo
Today · 4.125%
HK$11,044
baseline
▲ 0.50% · 4.625%
HK$11,626
+HK$582/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,088/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,302
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,653
−HK$357/mo
Today · 4.125%
HK$12,010
baseline
▲ 0.50% · 4.625%
HK$12,741
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,020/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,573
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,910
−HK$342/mo
Today · 4.125%
HK$13,252
baseline
▲ 0.50% · 4.625%
HK$13,951
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,504/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,185
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,595
−HK$417/mo
Today · 4.125%
HK$14,012
baseline
▲ 0.50% · 4.625%
HK$14,865
+HK$853/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,024/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,669
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,062
−HK$399/mo
Today · 4.125%
HK$15,461
baseline
▲ 0.50% · 4.625%
HK$16,276
+HK$815/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,922/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,953
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,480
−HK$536/mo
Today · 4.125%
HK$18,016
baseline
▲ 0.50% · 4.625%
HK$19,112
+HK$1,096/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,032/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$26,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,860
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,365
−HK$513/mo
Today · 4.125%
HK$19,878
baseline
▲ 0.50% · 4.625%
HK$20,926
+HK$1,048/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,756/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$26,155 · 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).