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$9,434
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,727
−HK$298/mo
Today · 4.125%
HK$10,025
baseline
▲ 0.50% · 4.625%
HK$10,635
+HK$610/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,050/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,495
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,776
−HK$286/mo
Today · 4.125%
HK$11,062
baseline
▲ 0.50% · 4.625%
HK$11,645
+HK$583/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,124/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,320
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,672
−HK$358/mo
Today · 4.125%
HK$12,030
baseline
▲ 0.50% · 4.625%
HK$12,762
+HK$732/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,060/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,594
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,931
−HK$343/mo
Today · 4.125%
HK$13,274
baseline
▲ 0.50% · 4.625%
HK$13,974
+HK$700/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,548/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,207
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,618
−HK$417/mo
Today · 4.125%
HK$14,035
baseline
▲ 0.50% · 4.625%
HK$14,889
+HK$854/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,070/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,693
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,087
−HK$399/mo
Today · 4.125%
HK$15,486
baseline
▲ 0.50% · 4.625%
HK$16,303
+HK$817/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$30,972/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,980
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,509
−HK$536/mo
Today · 4.125%
HK$18,045
baseline
▲ 0.50% · 4.625%
HK$19,143
+HK$1,098/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$36,090/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,891
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,397
−HK$514/mo
Today · 4.125%
HK$19,911
baseline
▲ 0.50% · 4.625%
HK$20,961
+HK$1,050/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$39,822/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,514 · 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).