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$9,467
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,762
−HK$299/mo
Today · 4.125%
HK$10,061
baseline
▲ 0.50% · 4.625%
HK$10,673
+HK$612/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,122/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,532
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,815
−HK$286/mo
Today · 4.125%
HK$11,101
baseline
▲ 0.50% · 4.625%
HK$11,686
+HK$585/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,202/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,361
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,714
−HK$359/mo
Today · 4.125%
HK$12,073
baseline
▲ 0.50% · 4.625%
HK$12,808
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,146/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,639
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,978
−HK$343/mo
Today · 4.125%
HK$13,321
baseline
▲ 0.50% · 4.625%
HK$14,024
+HK$703/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,642/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,254
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,666
−HK$419/mo
Today · 4.125%
HK$14,085
baseline
▲ 0.50% · 4.625%
HK$14,942
+HK$857/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,170/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,745
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,140
−HK$402/mo
Today · 4.125%
HK$15,542
baseline
▲ 0.50% · 4.625%
HK$16,361
+HK$819/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,084/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,041
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,571
−HK$539/mo
Today · 4.125%
HK$18,110
baseline
▲ 0.50% · 4.625%
HK$19,211
+HK$1,101/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,220/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,958
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,466
−HK$516/mo
Today · 4.125%
HK$19,982
baseline
▲ 0.50% · 4.625%
HK$21,035
+HK$1,053/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,964/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,463 · 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).