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$9,465
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,759
−HK$299/mo
Today · 4.125%
HK$10,058
baseline
▲ 0.50% · 4.625%
HK$10,670
+HK$612/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,116/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,530
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,812
−HK$287/mo
Today · 4.125%
HK$11,099
baseline
▲ 0.50% · 4.625%
HK$11,684
+HK$585/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,198/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,358
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,711
−HK$359/mo
Today · 4.125%
HK$12,070
baseline
▲ 0.50% · 4.625%
HK$12,805
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,140/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,636
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,974
−HK$344/mo
Today · 4.125%
HK$13,318
baseline
▲ 0.50% · 4.625%
HK$14,020
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,636/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,251
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,663
−HK$419/mo
Today · 4.125%
HK$14,082
baseline
▲ 0.50% · 4.625%
HK$14,939
+HK$857/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,164/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,741
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,137
−HK$401/mo
Today · 4.125%
HK$15,538
baseline
▲ 0.50% · 4.625%
HK$16,357
+HK$819/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,076/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,037
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,567
−HK$538/mo
Today · 4.125%
HK$18,105
baseline
▲ 0.50% · 4.625%
HK$19,207
+HK$1,102/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,210/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$30,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,953
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,462
−HK$515/mo
Today · 4.125%
HK$19,977
baseline
▲ 0.50% · 4.625%
HK$21,030
+HK$1,053/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,954/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$30,264 · 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).