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$9,428
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,722
−HK$298/mo
Today · 4.125%
HK$10,020
baseline
▲ 0.50% · 4.625%
HK$10,629
+HK$609/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,040/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$27,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,489
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,770
−HK$286/mo
Today · 4.125%
HK$11,056
baseline
▲ 0.50% · 4.625%
HK$11,638
+HK$582/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,112/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$27,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,314
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,666
−HK$358/mo
Today · 4.125%
HK$12,024
baseline
▲ 0.50% · 4.625%
HK$12,755
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,048/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,587
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,924
−HK$343/mo
Today · 4.125%
HK$13,267
baseline
▲ 0.50% · 4.625%
HK$13,966
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,534/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,200
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,610
−HK$417/mo
Today · 4.125%
HK$14,027
baseline
▲ 0.50% · 4.625%
HK$14,881
+HK$854/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,054/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,685
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,078
−HK$400/mo
Today · 4.125%
HK$15,478
baseline
▲ 0.50% · 4.625%
HK$16,294
+HK$816/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,956/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,971
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,499
−HK$536/mo
Today · 4.125%
HK$18,035
baseline
▲ 0.50% · 4.625%
HK$19,133
+HK$1,098/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,070/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,880
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,386
−HK$514/mo
Today · 4.125%
HK$19,900
baseline
▲ 0.50% · 4.625%
HK$20,949
+HK$1,049/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,800/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,057 · 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).