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$9,449
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,742
−HK$299/mo
Today · 4.125%
HK$10,041
baseline
▲ 0.50% · 4.625%
HK$10,652
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,082/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,511
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,793
−HK$286/mo
Today · 4.125%
HK$11,079
baseline
▲ 0.50% · 4.625%
HK$11,663
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,158/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,338
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,691
−HK$358/mo
Today · 4.125%
HK$12,049
baseline
▲ 0.50% · 4.625%
HK$12,782
+HK$733/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,098/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,614
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,952
−HK$343/mo
Today · 4.125%
HK$13,295
baseline
▲ 0.50% · 4.625%
HK$13,996
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,590/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,228
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,639
−HK$418/mo
Today · 4.125%
HK$14,057
baseline
▲ 0.50% · 4.625%
HK$14,913
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,114/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,716
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,111
−HK$400/mo
Today · 4.125%
HK$15,511
baseline
▲ 0.50% · 4.625%
HK$16,329
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,022/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,007
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,536
−HK$538/mo
Today · 4.125%
HK$18,074
baseline
▲ 0.50% · 4.625%
HK$19,174
+HK$1,100/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$36,148/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$28,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,920
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,428
−HK$515/mo
Today · 4.125%
HK$19,943
baseline
▲ 0.50% · 4.625%
HK$20,994
+HK$1,051/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$39,886/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$28,823 · 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).