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$9,481
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,776
−HK$299/mo
Today · 4.125%
HK$10,075
baseline
▲ 0.50% · 4.625%
HK$10,688
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,150/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,547
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,830
−HK$287/mo
Today · 4.125%
HK$11,117
baseline
▲ 0.50% · 4.625%
HK$11,703
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,234/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,377
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,731
−HK$359/mo
Today · 4.125%
HK$12,090
baseline
▲ 0.50% · 4.625%
HK$12,826
+HK$736/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,180/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,657
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,996
−HK$345/mo
Today · 4.125%
HK$13,341
baseline
▲ 0.50% · 4.625%
HK$14,044
+HK$703/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,682/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,273
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,686
−HK$419/mo
Today · 4.125%
HK$14,105
baseline
▲ 0.50% · 4.625%
HK$14,964
+HK$859/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,210/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,766
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,162
−HK$402/mo
Today · 4.125%
HK$15,564
baseline
▲ 0.50% · 4.625%
HK$16,384
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,128/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,065
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,596
−HK$540/mo
Today · 4.125%
HK$18,136
baseline
▲ 0.50% · 4.625%
HK$19,239
+HK$1,103/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,272/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,985
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,494
−HK$517/mo
Today · 4.125%
HK$20,011
baseline
▲ 0.50% · 4.625%
HK$21,066
+HK$1,055/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,022/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,653 · 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).