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$9,440
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,734
−HK$298/mo
Today · 4.125%
HK$10,032
baseline
▲ 0.50% · 4.625%
HK$10,642
+HK$610/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,064/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,502
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,783
−HK$286/mo
Today · 4.125%
HK$11,069
baseline
▲ 0.50% · 4.625%
HK$11,653
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,138/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,328
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,680
−HK$358/mo
Today · 4.125%
HK$12,038
baseline
▲ 0.50% · 4.625%
HK$12,771
+HK$733/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$24,076/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$28,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,602
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,940
−HK$343/mo
Today · 4.125%
HK$13,283
baseline
▲ 0.50% · 4.625%
HK$13,983
+HK$700/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$26,566/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$28,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,216
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,627
−HK$418/mo
Today · 4.125%
HK$14,045
baseline
▲ 0.50% · 4.625%
HK$14,899
+HK$854/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,090/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,703
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,097
−HK$400/mo
Today · 4.125%
HK$15,497
baseline
▲ 0.50% · 4.625%
HK$16,314
+HK$817/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$30,994/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,992
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,520
−HK$537/mo
Today · 4.125%
HK$18,057
baseline
▲ 0.50% · 4.625%
HK$19,156
+HK$1,099/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$36,114/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$28,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,903
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,410
−HK$515/mo
Today · 4.125%
HK$19,925
baseline
▲ 0.50% · 4.625%
HK$20,975
+HK$1,050/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$39,850/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$28,072 · 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).