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$9,419
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,712
−HK$298/mo
Today · 4.125%
HK$10,010
baseline
▲ 0.50% · 4.625%
HK$10,619
+HK$609/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,020/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,478
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,760
−HK$285/mo
Today · 4.125%
HK$11,045
baseline
▲ 0.50% · 4.625%
HK$11,627
+HK$582/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,090/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,303
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,654
−HK$358/mo
Today · 4.125%
HK$12,012
baseline
▲ 0.50% · 4.625%
HK$12,742
+HK$730/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,024/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,574
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,911
−HK$343/mo
Today · 4.125%
HK$13,254
baseline
▲ 0.50% · 4.625%
HK$13,952
+HK$698/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,508/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,187
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,597
−HK$416/mo
Today · 4.125%
HK$14,013
baseline
▲ 0.50% · 4.625%
HK$14,866
+HK$853/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,026/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,670
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,063
−HK$399/mo
Today · 4.125%
HK$15,462
baseline
▲ 0.50% · 4.625%
HK$16,278
+HK$816/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,924/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,954
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,481
−HK$536/mo
Today · 4.125%
HK$18,017
baseline
▲ 0.50% · 4.625%
HK$19,114
+HK$1,097/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,034/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$26,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,861
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,367
−HK$513/mo
Today · 4.125%
HK$19,880
baseline
▲ 0.50% · 4.625%
HK$20,928
+HK$1,048/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,760/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$26,232 · 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).