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$29,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,515
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,797
−HK$286/mo
Today · 4.125%
HK$11,083
baseline
▲ 0.50% · 4.625%
HK$11,667
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,166/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,342
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,694
−HK$359/mo
Today · 4.125%
HK$12,053
baseline
▲ 0.50% · 4.625%
HK$12,786
+HK$733/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,106/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,617
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,956
−HK$343/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$29,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,232
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,643
−HK$419/mo
Today · 4.125%
HK$14,062
baseline
▲ 0.50% · 4.625%
HK$14,917
+HK$855/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,124/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,720
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,115
−HK$401/mo
Today · 4.125%
HK$15,516
baseline
▲ 0.50% · 4.625%
HK$16,333
+HK$817/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,032/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,012
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,542
−HK$537/mo
Today · 4.125%
HK$18,079
baseline
▲ 0.50% · 4.625%
HK$19,179
+HK$1,100/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$36,158/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,926
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,434
−HK$515/mo
Today · 4.125%
HK$19,949
baseline
▲ 0.50% · 4.625%
HK$21,000
+HK$1,051/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$39,898/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,072 · 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).