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$9,417
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,710
−HK$297/mo
Today · 4.125%
HK$10,007
baseline
▲ 0.50% · 4.625%
HK$10,616
+HK$609/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$20,014/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,476
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,757
−HK$285/mo
Today · 4.125%
HK$11,042
baseline
▲ 0.50% · 4.625%
HK$11,624
+HK$582/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,084/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,300
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,652
−HK$357/mo
Today · 4.125%
HK$12,009
baseline
▲ 0.50% · 4.625%
HK$12,740
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,018/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,571
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,909
−HK$342/mo
Today · 4.125%
HK$13,251
baseline
▲ 0.50% · 4.625%
HK$13,949
+HK$698/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,502/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,184
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,594
−HK$416/mo
Today · 4.125%
HK$14,010
baseline
▲ 0.50% · 4.625%
HK$14,863
+HK$853/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,020/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$26,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,667
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,060
−HK$399/mo
Today · 4.125%
HK$15,459
baseline
▲ 0.50% · 4.625%
HK$16,274
+HK$815/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,918/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$26,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,950
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,478
−HK$535/mo
Today · 4.125%
HK$18,013
baseline
▲ 0.50% · 4.625%
HK$19,109
+HK$1,096/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,026/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$26,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,857
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,363
−HK$513/mo
Today · 4.125%
HK$19,876
baseline
▲ 0.50% · 4.625%
HK$20,924
+HK$1,048/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,752/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$26,054 · 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).