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$9,479
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,774
−HK$299/mo
Today · 4.125%
HK$10,073
baseline
▲ 0.50% · 4.625%
HK$10,686
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,146/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,545
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,828
−HK$287/mo
Today · 4.125%
HK$11,115
baseline
▲ 0.50% · 4.625%
HK$11,701
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,230/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,375
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,728
−HK$360/mo
Today · 4.125%
HK$12,088
baseline
▲ 0.50% · 4.625%
HK$12,823
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,176/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,654
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,994
−HK$344/mo
Today · 4.125%
HK$13,338
baseline
▲ 0.50% · 4.625%
HK$14,041
+HK$703/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,676/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,270
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,683
−HK$420/mo
Today · 4.125%
HK$14,103
baseline
▲ 0.50% · 4.625%
HK$14,961
+HK$858/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,206/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,763
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,159
−HK$402/mo
Today · 4.125%
HK$15,561
baseline
▲ 0.50% · 4.625%
HK$16,381
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,122/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,062
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,593
−HK$539/mo
Today · 4.125%
HK$18,132
baseline
▲ 0.50% · 4.625%
HK$19,235
+HK$1,103/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,264/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,981
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,490
−HK$517/mo
Today · 4.125%
HK$20,007
baseline
▲ 0.50% · 4.625%
HK$21,061
+HK$1,054/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,014/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,486 · 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).