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$9,461
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,756
−HK$299/mo
Today · 4.125%
HK$10,055
baseline
▲ 0.50% · 4.625%
HK$10,666
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,110/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,526
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,808
−HK$286/mo
Today · 4.125%
HK$11,094
baseline
▲ 0.50% · 4.625%
HK$11,679
+HK$585/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,188/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,354
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,707
−HK$359/mo
Today · 4.125%
HK$12,066
baseline
▲ 0.50% · 4.625%
HK$12,800
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,132/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,631
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,969
−HK$344/mo
Today · 4.125%
HK$13,313
baseline
▲ 0.50% · 4.625%
HK$14,015
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,626/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,246
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,658
−HK$418/mo
Today · 4.125%
HK$14,076
baseline
▲ 0.50% · 4.625%
HK$14,933
+HK$857/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,152/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,736
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,131
−HK$401/mo
Today · 4.125%
HK$15,532
baseline
▲ 0.50% · 4.625%
HK$16,351
+HK$819/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,064/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,030
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,560
−HK$538/mo
Today · 4.125%
HK$18,098
baseline
▲ 0.50% · 4.625%
HK$19,200
+HK$1,102/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$36,196/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$29,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,946
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,454
−HK$516/mo
Today · 4.125%
HK$19,970
baseline
▲ 0.50% · 4.625%
HK$21,022
+HK$1,052/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$39,940/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$29,945 · 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).