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$9,476
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,771
−HK$299/mo
Today · 4.125%
HK$10,070
baseline
▲ 0.50% · 4.625%
HK$10,683
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,140/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,542
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,824
−HK$287/mo
Today · 4.125%
HK$11,111
baseline
▲ 0.50% · 4.625%
HK$11,697
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,222/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,371
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,725
−HK$359/mo
Today · 4.125%
HK$12,084
baseline
▲ 0.50% · 4.625%
HK$12,819
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,168/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,650
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,989
−HK$344/mo
Today · 4.125%
HK$13,333
baseline
▲ 0.50% · 4.625%
HK$14,036
+HK$703/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,666/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,266
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,679
−HK$419/mo
Today · 4.125%
HK$14,098
baseline
▲ 0.50% · 4.625%
HK$14,956
+HK$858/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,196/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,758
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,154
−HK$402/mo
Today · 4.125%
HK$15,556
baseline
▲ 0.50% · 4.625%
HK$16,376
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,112/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,056
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,587
−HK$539/mo
Today · 4.125%
HK$18,126
baseline
▲ 0.50% · 4.625%
HK$19,229
+HK$1,103/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,252/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,975
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,484
−HK$516/mo
Today · 4.125%
HK$20,000
baseline
▲ 0.50% · 4.625%
HK$21,054
+HK$1,054/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,000/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,215 · 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).