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$9,410
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,703
−HK$297/mo
Today · 4.125%
HK$10,000
baseline
▲ 0.50% · 4.625%
HK$10,609
+HK$609/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$20,000/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,469
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,749
−HK$285/mo
Today · 4.125%
HK$11,034
baseline
▲ 0.50% · 4.625%
HK$11,616
+HK$582/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,068/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,292
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,643
−HK$357/mo
Today · 4.125%
HK$12,000
baseline
▲ 0.50% · 4.625%
HK$12,730
+HK$730/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,000/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,562
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,899
−HK$342/mo
Today · 4.125%
HK$13,241
baseline
▲ 0.50% · 4.625%
HK$13,939
+HK$698/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,482/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,174
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,584
−HK$416/mo
Today · 4.125%
HK$14,000
baseline
▲ 0.50% · 4.625%
HK$14,852
+HK$852/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,000/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,656
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,049
−HK$399/mo
Today · 4.125%
HK$15,448
baseline
▲ 0.50% · 4.625%
HK$16,262
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,896/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,938
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,465
−HK$535/mo
Today · 4.125%
HK$18,000
baseline
▲ 0.50% · 4.625%
HK$19,096
+HK$1,096/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$36,000/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,844
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,349
−HK$513/mo
Today · 4.125%
HK$19,862
baseline
▲ 0.50% · 4.625%
HK$20,909
+HK$1,047/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$39,724/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,457 · 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).