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$9,468
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,762
−HK$299/mo
Today · 4.125%
HK$10,061
baseline
▲ 0.50% · 4.625%
HK$10,673
+HK$612/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,122/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,533
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,815
−HK$287/mo
Today · 4.125%
HK$11,102
baseline
▲ 0.50% · 4.625%
HK$11,687
+HK$585/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,204/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,361
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,715
−HK$359/mo
Today · 4.125%
HK$12,074
baseline
▲ 0.50% · 4.625%
HK$12,808
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,148/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,639
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,978
−HK$344/mo
Today · 4.125%
HK$13,322
baseline
▲ 0.50% · 4.625%
HK$14,024
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,644/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,255
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,667
−HK$419/mo
Today · 4.125%
HK$14,086
baseline
▲ 0.50% · 4.625%
HK$14,943
+HK$857/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,172/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,746
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,141
−HK$401/mo
Today · 4.125%
HK$15,542
baseline
▲ 0.50% · 4.625%
HK$16,362
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,084/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,042
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,572
−HK$538/mo
Today · 4.125%
HK$18,110
baseline
▲ 0.50% · 4.625%
HK$19,212
+HK$1,102/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,220/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,959
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,467
−HK$516/mo
Today · 4.125%
HK$19,983
baseline
▲ 0.50% · 4.625%
HK$21,036
+HK$1,053/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,966/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,497 · 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).