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$9,457
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,751
−HK$299/mo
Today · 4.125%
HK$10,050
baseline
▲ 0.50% · 4.625%
HK$10,662
+HK$612/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,100/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,521
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,803
−HK$286/mo
Today · 4.125%
HK$11,089
baseline
▲ 0.50% · 4.625%
HK$11,674
+HK$585/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,178/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,348
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,701
−HK$359/mo
Today · 4.125%
HK$12,060
baseline
▲ 0.50% · 4.625%
HK$12,794
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,120/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,625
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,964
−HK$343/mo
Today · 4.125%
HK$13,307
baseline
▲ 0.50% · 4.625%
HK$14,009
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,614/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,240
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,652
−HK$418/mo
Today · 4.125%
HK$14,070
baseline
▲ 0.50% · 4.625%
HK$14,926
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,140/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,729
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,124
−HK$401/mo
Today · 4.125%
HK$15,525
baseline
▲ 0.50% · 4.625%
HK$16,343
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,050/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,023
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,552
−HK$538/mo
Today · 4.125%
HK$18,090
baseline
▲ 0.50% · 4.625%
HK$19,191
+HK$1,101/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$36,180/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,938
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,446
−HK$515/mo
Today · 4.125%
HK$19,961
baseline
▲ 0.50% · 4.625%
HK$21,013
+HK$1,052/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$39,922/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,575 · 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).