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$9,460
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,754
−HK$299/mo
Today · 4.125%
HK$10,053
baseline
▲ 0.50% · 4.625%
HK$10,665
+HK$612/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,106/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,524
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,806
−HK$287/mo
Today · 4.125%
HK$11,093
baseline
▲ 0.50% · 4.625%
HK$11,677
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,186/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,352
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,705
−HK$359/mo
Today · 4.125%
HK$12,064
baseline
▲ 0.50% · 4.625%
HK$12,798
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,128/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,629
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,968
−HK$343/mo
Today · 4.125%
HK$13,311
baseline
▲ 0.50% · 4.625%
HK$14,013
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,622/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,244
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,656
−HK$418/mo
Today · 4.125%
HK$14,074
baseline
▲ 0.50% · 4.625%
HK$14,931
+HK$857/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,148/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,734
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,129
−HK$401/mo
Today · 4.125%
HK$15,530
baseline
▲ 0.50% · 4.625%
HK$16,348
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,060/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,028
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,557
−HK$539/mo
Today · 4.125%
HK$18,096
baseline
▲ 0.50% · 4.625%
HK$19,197
+HK$1,101/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$36,192/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$29,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,943
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,451
−HK$516/mo
Today · 4.125%
HK$19,967
baseline
▲ 0.50% · 4.625%
HK$21,019
+HK$1,052/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$39,934/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$29,823 · 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).