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$9,417
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,710
−HK$298/mo
Today · 4.125%
HK$10,008
baseline
▲ 0.50% · 4.625%
HK$10,617
+HK$609/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$20,016/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,477
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,758
−HK$285/mo
Today · 4.125%
HK$11,043
baseline
▲ 0.50% · 4.625%
HK$11,625
+HK$582/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,086/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,301
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,652
−HK$358/mo
Today · 4.125%
HK$12,010
baseline
▲ 0.50% · 4.625%
HK$12,740
+HK$730/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,020/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,572
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,909
−HK$342/mo
Today · 4.125%
HK$13,251
baseline
▲ 0.50% · 4.625%
HK$13,950
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,502/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,184
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,595
−HK$416/mo
Today · 4.125%
HK$14,011
baseline
▲ 0.50% · 4.625%
HK$14,864
+HK$853/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,022/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,668
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,061
−HK$399/mo
Today · 4.125%
HK$15,460
baseline
▲ 0.50% · 4.625%
HK$16,275
+HK$815/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,920/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,951
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,479
−HK$535/mo
Today · 4.125%
HK$18,014
baseline
▲ 0.50% · 4.625%
HK$19,111
+HK$1,097/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,028/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$26,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,858
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,364
−HK$513/mo
Today · 4.125%
HK$19,877
baseline
▲ 0.50% · 4.625%
HK$20,925
+HK$1,048/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,754/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$26,099 · 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).