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$9,474
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,769
−HK$299/mo
Today · 4.125%
HK$10,068
baseline
▲ 0.50% · 4.625%
HK$10,681
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,136/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,540
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,822
−HK$287/mo
Today · 4.125%
HK$11,109
baseline
▲ 0.50% · 4.625%
HK$11,695
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,218/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,369
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,722
−HK$360/mo
Today · 4.125%
HK$12,082
baseline
▲ 0.50% · 4.625%
HK$12,817
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,164/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,648
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,987
−HK$344/mo
Today · 4.125%
HK$13,331
baseline
▲ 0.50% · 4.625%
HK$14,034
+HK$703/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,662/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,264
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,676
−HK$419/mo
Today · 4.125%
HK$14,095
baseline
▲ 0.50% · 4.625%
HK$14,953
+HK$858/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,190/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,756
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,151
−HK$402/mo
Today · 4.125%
HK$15,553
baseline
▲ 0.50% · 4.625%
HK$16,373
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,106/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,053
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,584
−HK$538/mo
Today · 4.125%
HK$18,122
baseline
▲ 0.50% · 4.625%
HK$19,225
+HK$1,103/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,244/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,971
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,480
−HK$516/mo
Today · 4.125%
HK$19,996
baseline
▲ 0.50% · 4.625%
HK$21,050
+HK$1,054/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,992/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,055 · 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).