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$9,477
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,772
−HK$299/mo
Today · 4.125%
HK$10,071
baseline
▲ 0.50% · 4.625%
HK$10,684
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,142/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,543
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,826
−HK$287/mo
Today · 4.125%
HK$11,113
baseline
▲ 0.50% · 4.625%
HK$11,698
+HK$585/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,226/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,372
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,726
−HK$359/mo
Today · 4.125%
HK$12,085
baseline
▲ 0.50% · 4.625%
HK$12,821
+HK$736/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,170/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,652
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,991
−HK$344/mo
Today · 4.125%
HK$13,335
baseline
▲ 0.50% · 4.625%
HK$14,038
+HK$703/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,670/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,268
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,680
−HK$420/mo
Today · 4.125%
HK$14,100
baseline
▲ 0.50% · 4.625%
HK$14,958
+HK$858/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,200/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,760
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,156
−HK$402/mo
Today · 4.125%
HK$15,558
baseline
▲ 0.50% · 4.625%
HK$16,378
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,116/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,059
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,589
−HK$539/mo
Today · 4.125%
HK$18,128
baseline
▲ 0.50% · 4.625%
HK$19,231
+HK$1,103/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,256/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,977
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,486
−HK$517/mo
Today · 4.125%
HK$20,003
baseline
▲ 0.50% · 4.625%
HK$21,057
+HK$1,054/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,006/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,319 · 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).