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$9,436
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,729
−HK$298/mo
Today · 4.125%
HK$10,027
baseline
▲ 0.50% · 4.625%
HK$10,637
+HK$610/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,054/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,497
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,778
−HK$286/mo
Today · 4.125%
HK$11,064
baseline
▲ 0.50% · 4.625%
HK$11,647
+HK$583/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,128/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,323
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,675
−HK$358/mo
Today · 4.125%
HK$12,033
baseline
▲ 0.50% · 4.625%
HK$12,765
+HK$732/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$24,066/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,596
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,934
−HK$343/mo
Today · 4.125%
HK$13,277
baseline
▲ 0.50% · 4.625%
HK$13,977
+HK$700/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$26,554/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,210
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,621
−HK$417/mo
Today · 4.125%
HK$14,038
baseline
▲ 0.50% · 4.625%
HK$14,892
+HK$854/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,076/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,696
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,090
−HK$400/mo
Today · 4.125%
HK$15,490
baseline
▲ 0.50% · 4.625%
HK$16,306
+HK$816/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$30,980/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,984
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,512
−HK$537/mo
Today · 4.125%
HK$18,049
baseline
▲ 0.50% · 4.625%
HK$19,147
+HK$1,098/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$36,098/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,894
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,401
−HK$514/mo
Today · 4.125%
HK$19,915
baseline
▲ 0.50% · 4.625%
HK$20,965
+HK$1,050/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$39,830/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,683 · 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).