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$9,452
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,746
−HK$298/mo
Today · 4.125%
HK$10,044
baseline
▲ 0.50% · 4.625%
HK$10,655
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,088/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,515
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,797
−HK$286/mo
Today · 4.125%
HK$11,083
baseline
▲ 0.50% · 4.625%
HK$11,667
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,166/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,342
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,695
−HK$358/mo
Today · 4.125%
HK$12,053
baseline
▲ 0.50% · 4.625%
HK$12,786
+HK$733/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,106/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,618
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,956
−HK$343/mo
Today · 4.125%
HK$13,299
baseline
▲ 0.50% · 4.625%
HK$14,000
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,598/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,232
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,644
−HK$418/mo
Today · 4.125%
HK$14,062
baseline
▲ 0.50% · 4.625%
HK$14,918
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,124/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,721
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,115
−HK$401/mo
Today · 4.125%
HK$15,516
baseline
▲ 0.50% · 4.625%
HK$16,334
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,032/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,013
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,542
−HK$538/mo
Today · 4.125%
HK$18,080
baseline
▲ 0.50% · 4.625%
HK$19,180
+HK$1,100/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$36,160/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,927
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,434
−HK$515/mo
Today · 4.125%
HK$19,949
baseline
▲ 0.50% · 4.625%
HK$21,001
+HK$1,052/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$39,898/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,089 · 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).