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$9,424
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,718
−HK$297/mo
Today · 4.125%
HK$10,015
baseline
▲ 0.50% · 4.625%
HK$10,625
+HK$610/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,030/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,485
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,766
−HK$285/mo
Today · 4.125%
HK$11,051
baseline
▲ 0.50% · 4.625%
HK$11,634
+HK$583/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,102/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,309
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,661
−HK$358/mo
Today · 4.125%
HK$12,019
baseline
▲ 0.50% · 4.625%
HK$12,750
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,038/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,582
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,919
−HK$342/mo
Today · 4.125%
HK$13,261
baseline
▲ 0.50% · 4.625%
HK$13,960
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,522/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,194
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,605
−HK$417/mo
Today · 4.125%
HK$14,022
baseline
▲ 0.50% · 4.625%
HK$14,875
+HK$853/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,044/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,678
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,072
−HK$399/mo
Today · 4.125%
HK$15,471
baseline
▲ 0.50% · 4.625%
HK$16,287
+HK$816/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,942/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,964
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,492
−HK$536/mo
Today · 4.125%
HK$18,028
baseline
▲ 0.50% · 4.625%
HK$19,125
+HK$1,097/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,056/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$26,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,872
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,378
−HK$514/mo
Today · 4.125%
HK$19,892
baseline
▲ 0.50% · 4.625%
HK$20,940
+HK$1,048/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,784/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$26,712 · 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).