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$9,464
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,758
−HK$300/mo
Today · 4.125%
HK$10,058
baseline
▲ 0.50% · 4.625%
HK$10,670
+HK$612/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,116/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,529
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,811
−HK$287/mo
Today · 4.125%
HK$11,098
baseline
▲ 0.50% · 4.625%
HK$11,683
+HK$585/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,196/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,357
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,710
−HK$359/mo
Today · 4.125%
HK$12,069
baseline
▲ 0.50% · 4.625%
HK$12,803
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,138/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,634
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,973
−HK$344/mo
Today · 4.125%
HK$13,317
baseline
▲ 0.50% · 4.625%
HK$14,019
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,634/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,250
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,662
−HK$419/mo
Today · 4.125%
HK$14,081
baseline
▲ 0.50% · 4.625%
HK$14,937
+HK$856/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,162/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,740
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,136
−HK$401/mo
Today · 4.125%
HK$15,537
baseline
▲ 0.50% · 4.625%
HK$16,356
+HK$819/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,074/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,035
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,565
−HK$539/mo
Today · 4.125%
HK$18,104
baseline
▲ 0.50% · 4.625%
HK$19,205
+HK$1,101/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,208/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$30,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,952
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,460
−HK$516/mo
Today · 4.125%
HK$19,976
baseline
▲ 0.50% · 4.625%
HK$21,029
+HK$1,053/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,952/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$30,192 · 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).