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$9,451
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,745
−HK$299/mo
Today · 4.125%
HK$10,044
baseline
▲ 0.50% · 4.625%
HK$10,655
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,088/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,514
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,796
−HK$286/mo
Today · 4.125%
HK$11,082
baseline
▲ 0.50% · 4.625%
HK$11,666
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,164/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,341
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,694
−HK$358/mo
Today · 4.125%
HK$12,052
baseline
▲ 0.50% · 4.625%
HK$12,786
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,104/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,617
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,955
−HK$344/mo
Today · 4.125%
HK$13,299
baseline
▲ 0.50% · 4.625%
HK$14,000
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,598/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,231
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,643
−HK$418/mo
Today · 4.125%
HK$14,061
baseline
▲ 0.50% · 4.625%
HK$14,917
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,122/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,720
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,114
−HK$401/mo
Today · 4.125%
HK$15,515
baseline
▲ 0.50% · 4.625%
HK$16,333
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,030/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,012
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,541
−HK$537/mo
Today · 4.125%
HK$18,078
baseline
▲ 0.50% · 4.625%
HK$19,178
+HK$1,100/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$36,156/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,925
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,433
−HK$515/mo
Today · 4.125%
HK$19,948
baseline
▲ 0.50% · 4.625%
HK$20,999
+HK$1,051/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$39,896/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,037 · 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).