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$9,410
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,702
−HK$298/mo
Today · 4.125%
HK$10,000
baseline
▲ 0.50% · 4.625%
HK$10,608
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$20,000/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,468
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,749
−HK$285/mo
Today · 4.125%
HK$11,034
baseline
▲ 0.50% · 4.625%
HK$11,615
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,068/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,292
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,643
−HK$357/mo
Today · 4.125%
HK$12,000
baseline
▲ 0.50% · 4.625%
HK$12,730
+HK$730/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,000/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,562
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,899
−HK$341/mo
Today · 4.125%
HK$13,240
baseline
▲ 0.50% · 4.625%
HK$13,938
+HK$698/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,480/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,173
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,583
−HK$417/mo
Today · 4.125%
HK$14,000
baseline
▲ 0.50% · 4.625%
HK$14,851
+HK$851/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,000/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,655
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,048
−HK$399/mo
Today · 4.125%
HK$15,447
baseline
▲ 0.50% · 4.625%
HK$16,261
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,894/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,937
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,464
−HK$535/mo
Today · 4.125%
HK$17,999
baseline
▲ 0.50% · 4.625%
HK$19,095
+HK$1,096/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$35,998/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,843
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,348
−HK$513/mo
Today · 4.125%
HK$19,861
baseline
▲ 0.50% · 4.625%
HK$20,907
+HK$1,046/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$39,722/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,413 · 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).