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$9,461
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,755
−HK$299/mo
Today · 4.125%
HK$10,054
baseline
▲ 0.50% · 4.625%
HK$10,666
+HK$612/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,108/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,525
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,807
−HK$287/mo
Today · 4.125%
HK$11,094
baseline
▲ 0.50% · 4.625%
HK$11,679
+HK$585/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,188/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,353
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,706
−HK$359/mo
Today · 4.125%
HK$12,065
baseline
▲ 0.50% · 4.625%
HK$12,799
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,130/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,630
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,969
−HK$344/mo
Today · 4.125%
HK$13,313
baseline
▲ 0.50% · 4.625%
HK$14,014
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,626/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,245
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,657
−HK$419/mo
Today · 4.125%
HK$14,076
baseline
▲ 0.50% · 4.625%
HK$14,932
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,152/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,735
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,130
−HK$401/mo
Today · 4.125%
HK$15,531
baseline
▲ 0.50% · 4.625%
HK$16,350
+HK$819/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,062/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,030
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,559
−HK$538/mo
Today · 4.125%
HK$18,097
baseline
▲ 0.50% · 4.625%
HK$19,199
+HK$1,102/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$36,194/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$29,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,945
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,453
−HK$516/mo
Today · 4.125%
HK$19,969
baseline
▲ 0.50% · 4.625%
HK$21,021
+HK$1,052/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$39,938/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$29,909 · 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).