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$9,449
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,743
−HK$299/mo
Today · 4.125%
HK$10,042
baseline
▲ 0.50% · 4.625%
HK$10,653
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,084/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,512
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,794
−HK$286/mo
Today · 4.125%
HK$11,080
baseline
▲ 0.50% · 4.625%
HK$11,664
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,160/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,339
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,692
−HK$358/mo
Today · 4.125%
HK$12,050
baseline
▲ 0.50% · 4.625%
HK$12,784
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,100/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,615
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,953
−HK$343/mo
Today · 4.125%
HK$13,296
baseline
▲ 0.50% · 4.625%
HK$13,997
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,592/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,229
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,641
−HK$418/mo
Today · 4.125%
HK$14,059
baseline
▲ 0.50% · 4.625%
HK$14,914
+HK$855/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,118/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,717
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,112
−HK$400/mo
Today · 4.125%
HK$15,512
baseline
▲ 0.50% · 4.625%
HK$16,330
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,024/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,009
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,538
−HK$537/mo
Today · 4.125%
HK$18,075
baseline
▲ 0.50% · 4.625%
HK$19,175
+HK$1,100/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$36,150/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$28,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,922
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,430
−HK$514/mo
Today · 4.125%
HK$19,944
baseline
▲ 0.50% · 4.625%
HK$20,996
+HK$1,052/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$39,888/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$28,896 · 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).