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$9,470
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,764
−HK$300/mo
Today · 4.125%
HK$10,064
baseline
▲ 0.50% · 4.625%
HK$10,676
+HK$612/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,128/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,535
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,818
−HK$286/mo
Today · 4.125%
HK$11,104
baseline
▲ 0.50% · 4.625%
HK$11,690
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,208/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,364
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,717
−HK$359/mo
Today · 4.125%
HK$12,076
baseline
▲ 0.50% · 4.625%
HK$12,811
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,152/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,642
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,981
−HK$344/mo
Today · 4.125%
HK$13,325
baseline
▲ 0.50% · 4.625%
HK$14,027
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,650/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,258
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,670
−HK$419/mo
Today · 4.125%
HK$14,089
baseline
▲ 0.50% · 4.625%
HK$14,946
+HK$857/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,178/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,749
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,145
−HK$401/mo
Today · 4.125%
HK$15,546
baseline
▲ 0.50% · 4.625%
HK$16,365
+HK$819/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,092/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,046
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,576
−HK$539/mo
Today · 4.125%
HK$18,115
baseline
▲ 0.50% · 4.625%
HK$19,217
+HK$1,102/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,230/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,963
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,472
−HK$516/mo
Today · 4.125%
HK$19,988
baseline
▲ 0.50% · 4.625%
HK$21,041
+HK$1,053/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,976/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,692 · 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).