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$9,456
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,750
−HK$299/mo
Today · 4.125%
HK$10,049
baseline
▲ 0.50% · 4.625%
HK$10,661
+HK$612/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,098/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,520
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,802
−HK$286/mo
Today · 4.125%
HK$11,088
baseline
▲ 0.50% · 4.625%
HK$11,673
+HK$585/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,176/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,347
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,700
−HK$359/mo
Today · 4.125%
HK$12,059
baseline
▲ 0.50% · 4.625%
HK$12,793
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,118/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,624
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,963
−HK$343/mo
Today · 4.125%
HK$13,306
baseline
▲ 0.50% · 4.625%
HK$14,007
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,612/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,239
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,651
−HK$418/mo
Today · 4.125%
HK$14,069
baseline
▲ 0.50% · 4.625%
HK$14,925
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,138/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,728
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,123
−HK$401/mo
Today · 4.125%
HK$15,524
baseline
▲ 0.50% · 4.625%
HK$16,342
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,048/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,021
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,551
−HK$538/mo
Today · 4.125%
HK$18,089
baseline
▲ 0.50% · 4.625%
HK$19,189
+HK$1,100/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$36,178/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,936
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,444
−HK$515/mo
Today · 4.125%
HK$19,959
baseline
▲ 0.50% · 4.625%
HK$21,011
+HK$1,052/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$39,918/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,500 · 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).