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$9,443
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,736
−HK$299/mo
Today · 4.125%
HK$10,035
baseline
▲ 0.50% · 4.625%
HK$10,645
+HK$610/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,070/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,505
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,786
−HK$286/mo
Today · 4.125%
HK$11,072
baseline
▲ 0.50% · 4.625%
HK$11,656
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,144/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,331
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,683
−HK$359/mo
Today · 4.125%
HK$12,042
baseline
▲ 0.50% · 4.625%
HK$12,774
+HK$732/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$24,084/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$28,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,606
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,944
−HK$343/mo
Today · 4.125%
HK$13,287
baseline
▲ 0.50% · 4.625%
HK$13,987
+HK$700/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$26,574/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$28,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,220
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,631
−HK$417/mo
Today · 4.125%
HK$14,048
baseline
▲ 0.50% · 4.625%
HK$14,903
+HK$855/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,096/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,707
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,101
−HK$400/mo
Today · 4.125%
HK$15,501
baseline
▲ 0.50% · 4.625%
HK$16,318
+HK$817/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,002/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,997
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,525
−HK$537/mo
Today · 4.125%
HK$18,062
baseline
▲ 0.50% · 4.625%
HK$19,161
+HK$1,099/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$36,124/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$28,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,908
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,416
−HK$514/mo
Today · 4.125%
HK$19,930
baseline
▲ 0.50% · 4.625%
HK$20,981
+HK$1,051/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$39,860/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$28,297 · 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).