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$9,478
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,773
−HK$299/mo
Today · 4.125%
HK$10,072
baseline
▲ 0.50% · 4.625%
HK$10,685
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,144/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,544
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,827
−HK$287/mo
Today · 4.125%
HK$11,114
baseline
▲ 0.50% · 4.625%
HK$11,699
+HK$585/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,228/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,373
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,727
−HK$360/mo
Today · 4.125%
HK$12,087
baseline
▲ 0.50% · 4.625%
HK$12,822
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,174/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,653
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,992
−HK$344/mo
Today · 4.125%
HK$13,336
baseline
▲ 0.50% · 4.625%
HK$14,039
+HK$703/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,672/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,269
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,682
−HK$419/mo
Today · 4.125%
HK$14,101
baseline
▲ 0.50% · 4.625%
HK$14,959
+HK$858/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,202/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,762
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,157
−HK$402/mo
Today · 4.125%
HK$15,559
baseline
▲ 0.50% · 4.625%
HK$16,379
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,118/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,060
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,591
−HK$539/mo
Today · 4.125%
HK$18,130
baseline
▲ 0.50% · 4.625%
HK$19,233
+HK$1,103/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,260/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,979
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,488
−HK$516/mo
Today · 4.125%
HK$20,004
baseline
▲ 0.50% · 4.625%
HK$21,059
+HK$1,055/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,008/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,391 · 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).