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$9,448
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,742
−HK$299/mo
Today · 4.125%
HK$10,041
baseline
▲ 0.50% · 4.625%
HK$10,652
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,082/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,511
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,793
−HK$286/mo
Today · 4.125%
HK$11,079
baseline
▲ 0.50% · 4.625%
HK$11,663
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,158/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,338
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,691
−HK$358/mo
Today · 4.125%
HK$12,049
baseline
▲ 0.50% · 4.625%
HK$12,782
+HK$733/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,098/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,613
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,952
−HK$343/mo
Today · 4.125%
HK$13,295
baseline
▲ 0.50% · 4.625%
HK$13,996
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,590/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,228
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,639
−HK$418/mo
Today · 4.125%
HK$14,057
baseline
▲ 0.50% · 4.625%
HK$14,912
+HK$855/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,114/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,715
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,110
−HK$401/mo
Today · 4.125%
HK$15,511
baseline
▲ 0.50% · 4.625%
HK$16,328
+HK$817/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,022/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,007
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,536
−HK$537/mo
Today · 4.125%
HK$18,073
baseline
▲ 0.50% · 4.625%
HK$19,173
+HK$1,100/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$36,146/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$28,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,920
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,427
−HK$515/mo
Today · 4.125%
HK$19,942
baseline
▲ 0.50% · 4.625%
HK$20,993
+HK$1,051/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$39,884/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$28,800 · 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).