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$9,423
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,716
−HK$298/mo
Today · 4.125%
HK$10,014
baseline
▲ 0.50% · 4.625%
HK$10,623
+HK$609/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,028/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,483
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,764
−HK$285/mo
Today · 4.125%
HK$11,049
baseline
▲ 0.50% · 4.625%
HK$11,632
+HK$583/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,098/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,307
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,659
−HK$357/mo
Today · 4.125%
HK$12,016
baseline
▲ 0.50% · 4.625%
HK$12,748
+HK$732/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,032/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,579
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,917
−HK$342/mo
Today · 4.125%
HK$13,259
baseline
▲ 0.50% · 4.625%
HK$13,958
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,518/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,192
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,602
−HK$417/mo
Today · 4.125%
HK$14,019
baseline
▲ 0.50% · 4.625%
HK$14,872
+HK$853/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,038/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,676
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,070
−HK$399/mo
Today · 4.125%
HK$15,469
baseline
▲ 0.50% · 4.625%
HK$16,284
+HK$815/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,938/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,961
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,489
−HK$536/mo
Today · 4.125%
HK$18,025
baseline
▲ 0.50% · 4.625%
HK$19,121
+HK$1,096/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,050/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$26,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,869
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,375
−HK$513/mo
Today · 4.125%
HK$19,888
baseline
▲ 0.50% · 4.625%
HK$20,937
+HK$1,049/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,776/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$26,571 · 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).