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$9,469
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,764
−HK$299/mo
Today · 4.125%
HK$10,063
baseline
▲ 0.50% · 4.625%
HK$10,675
+HK$612/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,126/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,534
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,817
−HK$286/mo
Today · 4.125%
HK$11,103
baseline
▲ 0.50% · 4.625%
HK$11,689
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,206/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,363
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,716
−HK$359/mo
Today · 4.125%
HK$12,075
baseline
▲ 0.50% · 4.625%
HK$12,810
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,150/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,641
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,980
−HK$344/mo
Today · 4.125%
HK$13,324
baseline
▲ 0.50% · 4.625%
HK$14,026
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,648/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,257
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,669
−HK$419/mo
Today · 4.125%
HK$14,088
baseline
▲ 0.50% · 4.625%
HK$14,945
+HK$857/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,176/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,748
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,143
−HK$402/mo
Today · 4.125%
HK$15,545
baseline
▲ 0.50% · 4.625%
HK$16,364
+HK$819/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,090/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,044
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,574
−HK$539/mo
Today · 4.125%
HK$18,113
baseline
▲ 0.50% · 4.625%
HK$19,215
+HK$1,102/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,226/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,962
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,470
−HK$516/mo
Today · 4.125%
HK$19,986
baseline
▲ 0.50% · 4.625%
HK$21,040
+HK$1,054/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,972/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,625 · 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).