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$9,457
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,752
−HK$298/mo
Today · 4.125%
HK$10,050
baseline
▲ 0.50% · 4.625%
HK$10,662
+HK$612/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,100/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,521
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,803
−HK$287/mo
Today · 4.125%
HK$11,090
baseline
▲ 0.50% · 4.625%
HK$11,674
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,180/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,349
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,702
−HK$359/mo
Today · 4.125%
HK$12,061
baseline
▲ 0.50% · 4.625%
HK$12,794
+HK$733/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,122/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,626
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,964
−HK$344/mo
Today · 4.125%
HK$13,308
baseline
▲ 0.50% · 4.625%
HK$14,009
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,616/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,240
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,652
−HK$419/mo
Today · 4.125%
HK$14,071
baseline
▲ 0.50% · 4.625%
HK$14,927
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,142/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,730
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,125
−HK$401/mo
Today · 4.125%
HK$15,526
baseline
▲ 0.50% · 4.625%
HK$16,344
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,052/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,023
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,553
−HK$538/mo
Today · 4.125%
HK$18,091
baseline
▲ 0.50% · 4.625%
HK$19,192
+HK$1,101/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$36,182/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,938
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,446
−HK$515/mo
Today · 4.125%
HK$19,961
baseline
▲ 0.50% · 4.625%
HK$21,014
+HK$1,053/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$39,922/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,604 · 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).