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$9,430
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,723
−HK$298/mo
Today · 4.125%
HK$10,021
baseline
▲ 0.50% · 4.625%
HK$10,631
+HK$610/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,042/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$27,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,490
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,772
−HK$285/mo
Today · 4.125%
HK$11,057
baseline
▲ 0.50% · 4.625%
HK$11,640
+HK$583/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,114/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$27,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,316
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,668
−HK$357/mo
Today · 4.125%
HK$12,025
baseline
▲ 0.50% · 4.625%
HK$12,757
+HK$732/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,050/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,588
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,926
−HK$343/mo
Today · 4.125%
HK$13,269
baseline
▲ 0.50% · 4.625%
HK$13,968
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,538/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,201
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,612
−HK$417/mo
Today · 4.125%
HK$14,029
baseline
▲ 0.50% · 4.625%
HK$14,883
+HK$854/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,058/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,687
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,080
−HK$400/mo
Today · 4.125%
HK$15,480
baseline
▲ 0.50% · 4.625%
HK$16,296
+HK$816/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,960/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,973
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,501
−HK$537/mo
Today · 4.125%
HK$18,038
baseline
▲ 0.50% · 4.625%
HK$19,135
+HK$1,097/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$36,076/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,883
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,389
−HK$514/mo
Today · 4.125%
HK$19,903
baseline
▲ 0.50% · 4.625%
HK$20,952
+HK$1,049/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$39,806/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,168 · 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).