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$9,454
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,748
−HK$299/mo
Today · 4.125%
HK$10,047
baseline
▲ 0.50% · 4.625%
HK$10,658
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,094/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,518
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,800
−HK$286/mo
Today · 4.125%
HK$11,086
baseline
▲ 0.50% · 4.625%
HK$11,670
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,172/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,345
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,698
−HK$358/mo
Today · 4.125%
HK$12,056
baseline
▲ 0.50% · 4.625%
HK$12,790
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,112/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,621
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,960
−HK$343/mo
Today · 4.125%
HK$13,303
baseline
▲ 0.50% · 4.625%
HK$14,004
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,606/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,236
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,647
−HK$419/mo
Today · 4.125%
HK$14,066
baseline
▲ 0.50% · 4.625%
HK$14,922
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,132/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,725
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,119
−HK$401/mo
Today · 4.125%
HK$15,520
baseline
▲ 0.50% · 4.625%
HK$16,338
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,040/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,017
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,547
−HK$537/mo
Today · 4.125%
HK$18,084
baseline
▲ 0.50% · 4.625%
HK$19,185
+HK$1,101/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$36,168/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,932
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,439
−HK$515/mo
Today · 4.125%
HK$19,954
baseline
▲ 0.50% · 4.625%
HK$21,006
+HK$1,052/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$39,908/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,310 · 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).