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$9,476
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,771
−HK$300/mo
Today · 4.125%
HK$10,071
baseline
▲ 0.50% · 4.625%
HK$10,683
+HK$612/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,142/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,542
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,825
−HK$287/mo
Today · 4.125%
HK$11,112
baseline
▲ 0.50% · 4.625%
HK$11,698
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,224/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,372
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,725
−HK$360/mo
Today · 4.125%
HK$12,085
baseline
▲ 0.50% · 4.625%
HK$12,820
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,170/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,651
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,990
−HK$344/mo
Today · 4.125%
HK$13,334
baseline
▲ 0.50% · 4.625%
HK$14,037
+HK$703/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,668/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,267
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,680
−HK$419/mo
Today · 4.125%
HK$14,099
baseline
▲ 0.50% · 4.625%
HK$14,957
+HK$858/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,198/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,759
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,155
−HK$402/mo
Today · 4.125%
HK$15,557
baseline
▲ 0.50% · 4.625%
HK$16,377
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,114/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,058
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,588
−HK$539/mo
Today · 4.125%
HK$18,127
baseline
▲ 0.50% · 4.625%
HK$19,230
+HK$1,103/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,254/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,976
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,485
−HK$517/mo
Today · 4.125%
HK$20,002
baseline
▲ 0.50% · 4.625%
HK$21,056
+HK$1,054/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,004/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,271 · 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).