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$9,420
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,713
−HK$298/mo
Today · 4.125%
HK$10,011
baseline
▲ 0.50% · 4.625%
HK$10,620
+HK$609/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,022/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,480
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,761
−HK$285/mo
Today · 4.125%
HK$11,046
baseline
▲ 0.50% · 4.625%
HK$11,629
+HK$583/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,092/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,305
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,656
−HK$357/mo
Today · 4.125%
HK$12,013
baseline
▲ 0.50% · 4.625%
HK$12,744
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,026/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,576
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,914
−HK$342/mo
Today · 4.125%
HK$13,256
baseline
▲ 0.50% · 4.625%
HK$13,954
+HK$698/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,512/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,189
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,599
−HK$417/mo
Today · 4.125%
HK$14,016
baseline
▲ 0.50% · 4.625%
HK$14,869
+HK$853/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,032/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,672
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,066
−HK$399/mo
Today · 4.125%
HK$15,465
baseline
▲ 0.50% · 4.625%
HK$16,280
+HK$815/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,930/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,957
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,484
−HK$536/mo
Today · 4.125%
HK$18,020
baseline
▲ 0.50% · 4.625%
HK$19,117
+HK$1,097/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,040/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$26,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,864
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,370
−HK$514/mo
Today · 4.125%
HK$19,884
baseline
▲ 0.50% · 4.625%
HK$20,932
+HK$1,048/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,768/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$26,364 · 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).