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$9,429
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,722
−HK$298/mo
Today · 4.125%
HK$10,020
baseline
▲ 0.50% · 4.625%
HK$10,630
+HK$610/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$27,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,490
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,771
−HK$285/mo
Today · 4.125%
HK$11,056
baseline
▲ 0.50% · 4.625%
HK$11,639
+HK$583/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$27,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,315
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,667
−HK$357/mo
Today · 4.125%
HK$12,024
baseline
▲ 0.50% · 4.625%
HK$12,756
+HK$732/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$27,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,588
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,925
−HK$343/mo
Today · 4.125%
HK$13,268
baseline
▲ 0.50% · 4.625%
HK$13,967
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,536/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,201
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,611
−HK$417/mo
Today · 4.125%
HK$14,028
baseline
▲ 0.50% · 4.625%
HK$14,882
+HK$854/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,056/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,686
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,079
−HK$400/mo
Today · 4.125%
HK$15,479
baseline
▲ 0.50% · 4.625%
HK$16,295
+HK$816/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,958/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,972
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,500
−HK$537/mo
Today · 4.125%
HK$18,037
baseline
▲ 0.50% · 4.625%
HK$19,134
+HK$1,097/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$36,074/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,881
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,388
−HK$514/mo
Today · 4.125%
HK$19,902
baseline
▲ 0.50% · 4.625%
HK$20,951
+HK$1,049/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$39,804/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,114 · 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).