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$9,433
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,726
−HK$299/mo
Today · 4.125%
HK$10,025
baseline
▲ 0.50% · 4.625%
HK$10,635
+HK$610/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,050/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,494
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,776
−HK$285/mo
Today · 4.125%
HK$11,061
baseline
▲ 0.50% · 4.625%
HK$11,644
+HK$583/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,122/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,320
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,672
−HK$358/mo
Today · 4.125%
HK$12,030
baseline
▲ 0.50% · 4.625%
HK$12,761
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,060/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,593
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,931
−HK$342/mo
Today · 4.125%
HK$13,273
baseline
▲ 0.50% · 4.625%
HK$13,973
+HK$700/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,546/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,206
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,617
−HK$417/mo
Today · 4.125%
HK$14,034
baseline
▲ 0.50% · 4.625%
HK$14,888
+HK$854/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,068/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,692
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,086
−HK$400/mo
Today · 4.125%
HK$15,486
baseline
▲ 0.50% · 4.625%
HK$16,302
+HK$816/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$30,972/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,980
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,508
−HK$536/mo
Today · 4.125%
HK$18,044
baseline
▲ 0.50% · 4.625%
HK$19,142
+HK$1,098/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$36,088/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,890
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,396
−HK$514/mo
Today · 4.125%
HK$19,910
baseline
▲ 0.50% · 4.625%
HK$20,960
+HK$1,050/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$39,820/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,469 · 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).