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$9,472
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,767
−HK$299/mo
Today · 4.125%
HK$10,066
baseline
▲ 0.50% · 4.625%
HK$10,679
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,132/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,538
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,821
−HK$286/mo
Today · 4.125%
HK$11,107
baseline
▲ 0.50% · 4.625%
HK$11,693
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,214/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,367
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,721
−HK$359/mo
Today · 4.125%
HK$12,080
baseline
▲ 0.50% · 4.625%
HK$12,815
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,160/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,646
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,985
−HK$344/mo
Today · 4.125%
HK$13,329
baseline
▲ 0.50% · 4.625%
HK$14,031
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,658/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,261
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,674
−HK$419/mo
Today · 4.125%
HK$14,093
baseline
▲ 0.50% · 4.625%
HK$14,951
+HK$858/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,186/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,753
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,149
−HK$401/mo
Today · 4.125%
HK$15,550
baseline
▲ 0.50% · 4.625%
HK$16,370
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,100/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,050
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,581
−HK$539/mo
Today · 4.125%
HK$18,120
baseline
▲ 0.50% · 4.625%
HK$19,222
+HK$1,102/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,240/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,968
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,477
−HK$516/mo
Today · 4.125%
HK$19,993
baseline
▲ 0.50% · 4.625%
HK$21,047
+HK$1,054/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,986/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,925 · 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).