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$9,446
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,740
−HK$298/mo
Today · 4.125%
HK$10,038
baseline
▲ 0.50% · 4.625%
HK$10,649
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,076/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,509
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,791
−HK$285/mo
Today · 4.125%
HK$11,076
baseline
▲ 0.50% · 4.625%
HK$11,660
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,152/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,335
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,688
−HK$358/mo
Today · 4.125%
HK$12,046
baseline
▲ 0.50% · 4.625%
HK$12,779
+HK$733/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,092/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,610
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,949
−HK$343/mo
Today · 4.125%
HK$13,292
baseline
▲ 0.50% · 4.625%
HK$13,992
+HK$700/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,584/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,225
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,636
−HK$418/mo
Today · 4.125%
HK$14,054
baseline
▲ 0.50% · 4.625%
HK$14,909
+HK$855/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,108/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,712
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,107
−HK$400/mo
Today · 4.125%
HK$15,507
baseline
▲ 0.50% · 4.625%
HK$16,324
+HK$817/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,014/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,003
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,532
−HK$537/mo
Today · 4.125%
HK$18,069
baseline
▲ 0.50% · 4.625%
HK$19,169
+HK$1,100/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$36,138/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$28,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,916
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,423
−HK$515/mo
Today · 4.125%
HK$19,938
baseline
▲ 0.50% · 4.625%
HK$20,989
+HK$1,051/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$39,876/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$28,613 · 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).