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$9,466
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,760
−HK$299/mo
Today · 4.125%
HK$10,059
baseline
▲ 0.50% · 4.625%
HK$10,671
+HK$612/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,118/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,531
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,813
−HK$287/mo
Today · 4.125%
HK$11,100
baseline
▲ 0.50% · 4.625%
HK$11,685
+HK$585/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,200/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,359
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,712
−HK$359/mo
Today · 4.125%
HK$12,071
baseline
▲ 0.50% · 4.625%
HK$12,806
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,142/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,637
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,976
−HK$343/mo
Today · 4.125%
HK$13,319
baseline
▲ 0.50% · 4.625%
HK$14,022
+HK$703/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,638/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,252
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,664
−HK$419/mo
Today · 4.125%
HK$14,083
baseline
▲ 0.50% · 4.625%
HK$14,940
+HK$857/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,166/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,743
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,138
−HK$401/mo
Today · 4.125%
HK$15,539
baseline
▲ 0.50% · 4.625%
HK$16,358
+HK$819/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,078/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,038
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,568
−HK$539/mo
Today · 4.125%
HK$18,107
baseline
▲ 0.50% · 4.625%
HK$19,209
+HK$1,102/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,214/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$30,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,955
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,463
−HK$516/mo
Today · 4.125%
HK$19,979
baseline
▲ 0.50% · 4.625%
HK$21,032
+HK$1,053/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,958/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$30,340 · 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).