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$9,450
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,744
−HK$298/mo
Today · 4.125%
HK$10,042
baseline
▲ 0.50% · 4.625%
HK$10,653
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,084/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,513
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,795
−HK$286/mo
Today · 4.125%
HK$11,081
baseline
▲ 0.50% · 4.625%
HK$11,665
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,162/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,340
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,693
−HK$358/mo
Today · 4.125%
HK$12,051
baseline
▲ 0.50% · 4.625%
HK$12,784
+HK$733/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,102/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,615
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,954
−HK$343/mo
Today · 4.125%
HK$13,297
baseline
▲ 0.50% · 4.625%
HK$13,998
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,594/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,230
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,641
−HK$418/mo
Today · 4.125%
HK$14,059
baseline
▲ 0.50% · 4.625%
HK$14,915
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,118/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,718
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,113
−HK$400/mo
Today · 4.125%
HK$15,513
baseline
▲ 0.50% · 4.625%
HK$16,331
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,026/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,010
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,539
−HK$537/mo
Today · 4.125%
HK$18,076
baseline
▲ 0.50% · 4.625%
HK$19,176
+HK$1,100/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$36,152/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$28,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,923
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,431
−HK$514/mo
Today · 4.125%
HK$19,945
baseline
▲ 0.50% · 4.625%
HK$20,997
+HK$1,052/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$39,890/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$28,940 · 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).