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$9,468
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,763
−HK$299/mo
Today · 4.125%
HK$10,062
baseline
▲ 0.50% · 4.625%
HK$10,674
+HK$612/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,124/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,533
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,816
−HK$287/mo
Today · 4.125%
HK$11,103
baseline
▲ 0.50% · 4.625%
HK$11,688
+HK$585/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,206/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,362
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,715
−HK$360/mo
Today · 4.125%
HK$12,075
baseline
▲ 0.50% · 4.625%
HK$12,809
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,150/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,640
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,979
−HK$344/mo
Today · 4.125%
HK$13,323
baseline
▲ 0.50% · 4.625%
HK$14,025
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,646/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,256
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,668
−HK$419/mo
Today · 4.125%
HK$14,087
baseline
▲ 0.50% · 4.625%
HK$14,944
+HK$857/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,174/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,747
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,142
−HK$402/mo
Today · 4.125%
HK$15,544
baseline
▲ 0.50% · 4.625%
HK$16,363
+HK$819/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,088/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,043
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,573
−HK$539/mo
Today · 4.125%
HK$18,112
baseline
▲ 0.50% · 4.625%
HK$19,214
+HK$1,102/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,224/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,960
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,469
−HK$516/mo
Today · 4.125%
HK$19,985
baseline
▲ 0.50% · 4.625%
HK$21,038
+HK$1,053/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,970/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,563 · 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).