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$9,471
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,766
−HK$299/mo
Today · 4.125%
HK$10,065
baseline
▲ 0.50% · 4.625%
HK$10,677
+HK$612/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,130/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,537
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,819
−HK$287/mo
Today · 4.125%
HK$11,106
baseline
▲ 0.50% · 4.625%
HK$11,691
+HK$585/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,212/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,365
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,719
−HK$359/mo
Today · 4.125%
HK$12,078
baseline
▲ 0.50% · 4.625%
HK$12,813
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,156/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,644
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,983
−HK$344/mo
Today · 4.125%
HK$13,327
baseline
▲ 0.50% · 4.625%
HK$14,029
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,654/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,260
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,672
−HK$419/mo
Today · 4.125%
HK$14,091
baseline
▲ 0.50% · 4.625%
HK$14,948
+HK$857/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,182/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,751
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,147
−HK$401/mo
Today · 4.125%
HK$15,548
baseline
▲ 0.50% · 4.625%
HK$16,368
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,096/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,048
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,578
−HK$539/mo
Today · 4.125%
HK$18,117
baseline
▲ 0.50% · 4.625%
HK$19,219
+HK$1,102/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,234/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,966
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,474
−HK$516/mo
Today · 4.125%
HK$19,990
baseline
▲ 0.50% · 4.625%
HK$21,044
+HK$1,054/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,980/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,807 · 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).