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$9,455
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,749
−HK$299/mo
Today · 4.125%
HK$10,048
baseline
▲ 0.50% · 4.625%
HK$10,659
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,096/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,518
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,800
−HK$287/mo
Today · 4.125%
HK$11,087
baseline
▲ 0.50% · 4.625%
HK$11,671
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,174/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,346
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,699
−HK$358/mo
Today · 4.125%
HK$12,057
baseline
▲ 0.50% · 4.625%
HK$12,791
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,114/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,622
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,960
−HK$344/mo
Today · 4.125%
HK$13,304
baseline
▲ 0.50% · 4.625%
HK$14,005
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,608/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,237
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,648
−HK$419/mo
Today · 4.125%
HK$14,067
baseline
▲ 0.50% · 4.625%
HK$14,923
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,134/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,726
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,121
−HK$400/mo
Today · 4.125%
HK$15,521
baseline
▲ 0.50% · 4.625%
HK$16,339
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,042/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,019
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,548
−HK$538/mo
Today · 4.125%
HK$18,086
baseline
▲ 0.50% · 4.625%
HK$19,186
+HK$1,100/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$36,172/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,933
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,441
−HK$515/mo
Today · 4.125%
HK$19,956
baseline
▲ 0.50% · 4.625%
HK$21,008
+HK$1,052/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$39,912/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,371 · 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).