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$9,432
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,725
−HK$298/mo
Today · 4.125%
HK$10,023
baseline
▲ 0.50% · 4.625%
HK$10,633
+HK$610/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,046/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,493
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,774
−HK$286/mo
Today · 4.125%
HK$11,060
baseline
▲ 0.50% · 4.625%
HK$11,643
+HK$583/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,120/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,318
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,670
−HK$358/mo
Today · 4.125%
HK$12,028
baseline
▲ 0.50% · 4.625%
HK$12,760
+HK$732/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,056/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,591
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,929
−HK$343/mo
Today · 4.125%
HK$13,272
baseline
▲ 0.50% · 4.625%
HK$13,971
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,544/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,205
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,615
−HK$418/mo
Today · 4.125%
HK$14,033
baseline
▲ 0.50% · 4.625%
HK$14,887
+HK$854/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,066/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,690
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,084
−HK$400/mo
Today · 4.125%
HK$15,484
baseline
▲ 0.50% · 4.625%
HK$16,300
+HK$816/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$30,968/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,977
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,506
−HK$536/mo
Today · 4.125%
HK$18,042
baseline
▲ 0.50% · 4.625%
HK$19,140
+HK$1,098/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$36,084/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,887
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,394
−HK$514/mo
Today · 4.125%
HK$19,908
baseline
▲ 0.50% · 4.625%
HK$20,957
+HK$1,049/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$39,816/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,367 · 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).