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$9,430
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,724
−HK$298/mo
Today · 4.125%
HK$10,022
baseline
▲ 0.50% · 4.625%
HK$10,631
+HK$609/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,044/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,491
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,772
−HK$286/mo
Today · 4.125%
HK$11,058
baseline
▲ 0.50% · 4.625%
HK$11,641
+HK$583/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,116/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,316
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,668
−HK$358/mo
Today · 4.125%
HK$12,026
baseline
▲ 0.50% · 4.625%
HK$12,758
+HK$732/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,052/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,589
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,927
−HK$342/mo
Today · 4.125%
HK$13,269
baseline
▲ 0.50% · 4.625%
HK$13,969
+HK$700/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,538/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,202
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,613
−HK$417/mo
Today · 4.125%
HK$14,030
baseline
▲ 0.50% · 4.625%
HK$14,884
+HK$854/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,060/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,688
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,081
−HK$400/mo
Today · 4.125%
HK$15,481
baseline
▲ 0.50% · 4.625%
HK$16,297
+HK$816/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,962/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,974
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,502
−HK$537/mo
Today · 4.125%
HK$18,039
baseline
▲ 0.50% · 4.625%
HK$19,137
+HK$1,098/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$36,078/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,884
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,390
−HK$514/mo
Today · 4.125%
HK$19,904
baseline
▲ 0.50% · 4.625%
HK$20,953
+HK$1,049/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$39,808/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,224 · 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).