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$9,473
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,768
−HK$299/mo
Today · 4.125%
HK$10,067
baseline
▲ 0.50% · 4.625%
HK$10,680
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,134/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,539
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,822
−HK$286/mo
Today · 4.125%
HK$11,108
baseline
▲ 0.50% · 4.625%
HK$11,694
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,216/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,368
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,721
−HK$360/mo
Today · 4.125%
HK$12,081
baseline
▲ 0.50% · 4.625%
HK$12,816
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,162/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,647
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,986
−HK$344/mo
Today · 4.125%
HK$13,330
baseline
▲ 0.50% · 4.625%
HK$14,033
+HK$703/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,660/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,262
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,675
−HK$419/mo
Today · 4.125%
HK$14,094
baseline
▲ 0.50% · 4.625%
HK$14,952
+HK$858/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,188/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,754
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,150
−HK$402/mo
Today · 4.125%
HK$15,552
baseline
▲ 0.50% · 4.625%
HK$16,371
+HK$819/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,104/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,052
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,582
−HK$539/mo
Today · 4.125%
HK$18,121
baseline
▲ 0.50% · 4.625%
HK$19,224
+HK$1,103/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,242/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,970
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,479
−HK$516/mo
Today · 4.125%
HK$19,995
baseline
▲ 0.50% · 4.625%
HK$21,049
+HK$1,054/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,990/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,991 · 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).