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$9,438
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,731
−HK$298/mo
Today · 4.125%
HK$10,029
baseline
▲ 0.50% · 4.625%
HK$10,640
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,058/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,499
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,781
−HK$285/mo
Today · 4.125%
HK$11,066
baseline
▲ 0.50% · 4.625%
HK$11,650
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,132/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,325
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,677
−HK$358/mo
Today · 4.125%
HK$12,035
baseline
▲ 0.50% · 4.625%
HK$12,768
+HK$733/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$24,070/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,599
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,937
−HK$343/mo
Today · 4.125%
HK$13,280
baseline
▲ 0.50% · 4.625%
HK$13,980
+HK$700/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$26,560/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,213
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,624
−HK$417/mo
Today · 4.125%
HK$14,041
baseline
▲ 0.50% · 4.625%
HK$14,895
+HK$854/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,082/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,699
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,093
−HK$400/mo
Today · 4.125%
HK$15,493
baseline
▲ 0.50% · 4.625%
HK$16,310
+HK$817/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$30,986/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,988
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,516
−HK$537/mo
Today · 4.125%
HK$18,053
baseline
▲ 0.50% · 4.625%
HK$19,151
+HK$1,098/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$36,106/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$27,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,898
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,405
−HK$515/mo
Today · 4.125%
HK$19,920
baseline
▲ 0.50% · 4.625%
HK$20,969
+HK$1,049/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$39,840/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$27,860 · 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).