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$9,422
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,715
−HK$298/mo
Today · 4.125%
HK$10,013
baseline
▲ 0.50% · 4.625%
HK$10,622
+HK$609/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,026/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,482
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,763
−HK$285/mo
Today · 4.125%
HK$11,048
baseline
▲ 0.50% · 4.625%
HK$11,630
+HK$582/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,096/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,306
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,658
−HK$357/mo
Today · 4.125%
HK$12,015
baseline
▲ 0.50% · 4.625%
HK$12,746
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,030/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,578
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,915
−HK$343/mo
Today · 4.125%
HK$13,258
baseline
▲ 0.50% · 4.625%
HK$13,957
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,516/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,191
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,601
−HK$417/mo
Today · 4.125%
HK$14,018
baseline
▲ 0.50% · 4.625%
HK$14,871
+HK$853/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,036/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,675
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,068
−HK$399/mo
Today · 4.125%
HK$15,467
baseline
▲ 0.50% · 4.625%
HK$16,283
+HK$816/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,934/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,959
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,487
−HK$536/mo
Today · 4.125%
HK$18,023
baseline
▲ 0.50% · 4.625%
HK$19,120
+HK$1,097/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,046/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$26,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,867
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,373
−HK$514/mo
Today · 4.125%
HK$19,887
baseline
▲ 0.50% · 4.625%
HK$20,935
+HK$1,048/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,774/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$26,492 · 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).