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$9,423
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,716
−HK$298/mo
Today · 4.125%
HK$10,014
baseline
▲ 0.50% · 4.625%
HK$10,624
+HK$610/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,028/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,483
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,765
−HK$285/mo
Today · 4.125%
HK$11,050
baseline
▲ 0.50% · 4.625%
HK$11,632
+HK$582/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,100/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,308
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,660
−HK$357/mo
Today · 4.125%
HK$12,017
baseline
▲ 0.50% · 4.625%
HK$12,748
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,034/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,580
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,917
−HK$343/mo
Today · 4.125%
HK$13,260
baseline
▲ 0.50% · 4.625%
HK$13,959
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,520/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,193
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,603
−HK$417/mo
Today · 4.125%
HK$14,020
baseline
▲ 0.50% · 4.625%
HK$14,873
+HK$853/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,040/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,677
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,070
−HK$400/mo
Today · 4.125%
HK$15,470
baseline
▲ 0.50% · 4.625%
HK$16,285
+HK$815/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,940/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,962
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,490
−HK$536/mo
Today · 4.125%
HK$18,026
baseline
▲ 0.50% · 4.625%
HK$19,123
+HK$1,097/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,052/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$26,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,870
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,376
−HK$514/mo
Today · 4.125%
HK$19,890
baseline
▲ 0.50% · 4.625%
HK$20,938
+HK$1,048/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,780/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$26,618 · 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).