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$9,445
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,738
−HK$299/mo
Today · 4.125%
HK$10,037
baseline
▲ 0.50% · 4.625%
HK$10,648
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,074/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,507
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,789
−HK$286/mo
Today · 4.125%
HK$11,075
baseline
▲ 0.50% · 4.625%
HK$11,659
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,150/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,334
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,686
−HK$358/mo
Today · 4.125%
HK$12,044
baseline
▲ 0.50% · 4.625%
HK$12,777
+HK$733/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,088/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,608
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,947
−HK$343/mo
Today · 4.125%
HK$13,290
baseline
▲ 0.50% · 4.625%
HK$13,990
+HK$700/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,580/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,223
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,634
−HK$418/mo
Today · 4.125%
HK$14,052
baseline
▲ 0.50% · 4.625%
HK$14,907
+HK$855/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,104/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,710
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,104
−HK$401/mo
Today · 4.125%
HK$15,505
baseline
▲ 0.50% · 4.625%
HK$16,322
+HK$817/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,010/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,000
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,529
−HK$537/mo
Today · 4.125%
HK$18,066
baseline
▲ 0.50% · 4.625%
HK$19,166
+HK$1,100/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$36,132/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$28,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,913
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,420
−HK$515/mo
Today · 4.125%
HK$19,935
baseline
▲ 0.50% · 4.625%
HK$20,985
+HK$1,050/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$39,870/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$28,485 · 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).