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$9,437
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,730
−HK$298/mo
Today · 4.125%
HK$10,028
baseline
▲ 0.50% · 4.625%
HK$10,639
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,056/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,498
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,780
−HK$285/mo
Today · 4.125%
HK$11,065
baseline
▲ 0.50% · 4.625%
HK$11,649
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,130/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,324
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,676
−HK$358/mo
Today · 4.125%
HK$12,034
baseline
▲ 0.50% · 4.625%
HK$12,766
+HK$732/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$24,068/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,598
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,936
−HK$342/mo
Today · 4.125%
HK$13,278
baseline
▲ 0.50% · 4.625%
HK$13,978
+HK$700/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$26,556/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,211
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,622
−HK$418/mo
Today · 4.125%
HK$14,040
baseline
▲ 0.50% · 4.625%
HK$14,894
+HK$854/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,080/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,697
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,092
−HK$399/mo
Today · 4.125%
HK$15,491
baseline
▲ 0.50% · 4.625%
HK$16,308
+HK$817/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$30,982/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,986
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,514
−HK$537/mo
Today · 4.125%
HK$18,051
baseline
▲ 0.50% · 4.625%
HK$19,149
+HK$1,098/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$36,102/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$27,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,897
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,404
−HK$514/mo
Today · 4.125%
HK$19,918
baseline
▲ 0.50% · 4.625%
HK$20,968
+HK$1,050/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$39,836/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$27,783 · 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).