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$592/mo
▼ 0.25% · 3.875%
HK$9,742
−HK$298/mo
Today · 4.125%
HK$10,040
baseline
▲ 0.50% · 4.625%
HK$10,651
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,080/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,511
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,792
−HK$286/mo
Today · 4.125%
HK$11,078
baseline
▲ 0.50% · 4.625%
HK$11,662
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,156/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,337
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,690
−HK$358/mo
Today · 4.125%
HK$12,048
baseline
▲ 0.50% · 4.625%
HK$12,781
+HK$733/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,096/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,613
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,951
−HK$343/mo
Today · 4.125%
HK$13,294
baseline
▲ 0.50% · 4.625%
HK$13,995
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,588/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,227
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,638
−HK$418/mo
Today · 4.125%
HK$14,056
baseline
▲ 0.50% · 4.625%
HK$14,912
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,112/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,715
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,109
−HK$401/mo
Today · 4.125%
HK$15,510
baseline
▲ 0.50% · 4.625%
HK$16,327
+HK$817/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,020/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,006
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,535
−HK$538/mo
Today · 4.125%
HK$18,073
baseline
▲ 0.50% · 4.625%
HK$19,172
+HK$1,099/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$28,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,919
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,426
−HK$515/mo
Today · 4.125%
HK$19,941
baseline
▲ 0.50% · 4.625%
HK$20,992
+HK$1,051/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$39,882/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$28,764 · 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).