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$9,472
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,766
−HK$299/mo
Today · 4.125%
HK$10,065
baseline
▲ 0.50% · 4.625%
HK$10,678
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,130/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,537
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,820
−HK$286/mo
Today · 4.125%
HK$11,106
baseline
▲ 0.50% · 4.625%
HK$11,692
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,212/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,366
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,719
−HK$360/mo
Today · 4.125%
HK$12,079
baseline
▲ 0.50% · 4.625%
HK$12,814
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,158/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,644
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,983
−HK$345/mo
Today · 4.125%
HK$13,328
baseline
▲ 0.50% · 4.625%
HK$14,030
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,656/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,260
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,673
−HK$419/mo
Today · 4.125%
HK$14,092
baseline
▲ 0.50% · 4.625%
HK$14,949
+HK$857/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,184/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,752
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,147
−HK$402/mo
Today · 4.125%
HK$15,549
baseline
▲ 0.50% · 4.625%
HK$16,368
+HK$819/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,098/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,049
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,579
−HK$539/mo
Today · 4.125%
HK$18,118
baseline
▲ 0.50% · 4.625%
HK$19,220
+HK$1,102/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,236/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,967
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,475
−HK$516/mo
Today · 4.125%
HK$19,991
baseline
▲ 0.50% · 4.625%
HK$21,045
+HK$1,054/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,982/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,842 · 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).