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$9,460
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,754
−HK$299/mo
Today · 4.125%
HK$10,053
baseline
▲ 0.50% · 4.625%
HK$10,664
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,106/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,524
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,806
−HK$286/mo
Today · 4.125%
HK$11,092
baseline
▲ 0.50% · 4.625%
HK$11,677
+HK$585/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,184/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,351
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,705
−HK$358/mo
Today · 4.125%
HK$12,063
baseline
▲ 0.50% · 4.625%
HK$12,797
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,126/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,628
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,967
−HK$344/mo
Today · 4.125%
HK$13,311
baseline
▲ 0.50% · 4.625%
HK$14,012
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,622/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,243
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,655
−HK$419/mo
Today · 4.125%
HK$14,074
baseline
▲ 0.50% · 4.625%
HK$14,930
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,148/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,733
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,128
−HK$401/mo
Today · 4.125%
HK$15,529
baseline
▲ 0.50% · 4.625%
HK$16,348
+HK$819/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,058/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,027
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,557
−HK$538/mo
Today · 4.125%
HK$18,095
baseline
▲ 0.50% · 4.625%
HK$19,196
+HK$1,101/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$36,190/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$29,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,943
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,451
−HK$515/mo
Today · 4.125%
HK$19,966
baseline
▲ 0.50% · 4.625%
HK$21,018
+HK$1,052/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$39,932/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$29,791 · 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).