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$9,463
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,757
−HK$300/mo
Today · 4.125%
HK$10,057
baseline
▲ 0.50% · 4.625%
HK$10,668
+HK$611/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,114/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,528
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,810
−HK$286/mo
Today · 4.125%
HK$11,096
baseline
▲ 0.50% · 4.625%
HK$11,681
+HK$585/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,192/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,356
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,709
−HK$359/mo
Today · 4.125%
HK$12,068
baseline
▲ 0.50% · 4.625%
HK$12,802
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,136/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,633
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,972
−HK$344/mo
Today · 4.125%
HK$13,316
baseline
▲ 0.50% · 4.625%
HK$14,018
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,632/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,248
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,660
−HK$419/mo
Today · 4.125%
HK$14,079
baseline
▲ 0.50% · 4.625%
HK$14,936
+HK$857/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,158/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,739
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,134
−HK$401/mo
Today · 4.125%
HK$15,535
baseline
▲ 0.50% · 4.625%
HK$16,354
+HK$819/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,070/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,034
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,563
−HK$539/mo
Today · 4.125%
HK$18,102
baseline
▲ 0.50% · 4.625%
HK$19,203
+HK$1,101/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,204/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$30,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,950
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,458
−HK$515/mo
Today · 4.125%
HK$19,973
baseline
▲ 0.50% · 4.625%
HK$21,026
+HK$1,053/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,946/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$30,103 · 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).