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$9,428
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,721
−HK$298/mo
Today · 4.125%
HK$10,019
baseline
▲ 0.50% · 4.625%
HK$10,629
+HK$610/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,038/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$27,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,488
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,770
−HK$285/mo
Today · 4.125%
HK$11,055
baseline
▲ 0.50% · 4.625%
HK$11,638
+HK$583/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,110/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$27,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,313
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,665
−HK$358/mo
Today · 4.125%
HK$12,023
baseline
▲ 0.50% · 4.625%
HK$12,754
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,046/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,586
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,924
−HK$342/mo
Today · 4.125%
HK$13,266
baseline
▲ 0.50% · 4.625%
HK$13,965
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,532/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,199
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,610
−HK$417/mo
Today · 4.125%
HK$14,027
baseline
▲ 0.50% · 4.625%
HK$14,880
+HK$853/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,054/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,684
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,078
−HK$399/mo
Today · 4.125%
HK$15,477
baseline
▲ 0.50% · 4.625%
HK$16,293
+HK$816/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,954/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,970
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,498
−HK$536/mo
Today · 4.125%
HK$18,034
baseline
▲ 0.50% · 4.625%
HK$19,132
+HK$1,098/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,068/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$27,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,879
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,386
−HK$513/mo
Today · 4.125%
HK$19,899
baseline
▲ 0.50% · 4.625%
HK$20,948
+HK$1,049/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,798/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$27,016 · 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).