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$9,420
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,713
−HK$297/mo
Today · 4.125%
HK$10,010
baseline
▲ 0.50% · 4.625%
HK$10,619
+HK$609/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,020/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,479
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,760
−HK$285/mo
Today · 4.125%
HK$11,045
baseline
▲ 0.50% · 4.625%
HK$11,628
+HK$583/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,090/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,304
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,655
−HK$357/mo
Today · 4.125%
HK$12,012
baseline
▲ 0.50% · 4.625%
HK$12,743
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,024/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,575
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,912
−HK$342/mo
Today · 4.125%
HK$13,254
baseline
▲ 0.50% · 4.625%
HK$13,953
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,508/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,187
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,598
−HK$416/mo
Today · 4.125%
HK$14,014
baseline
▲ 0.50% · 4.625%
HK$14,867
+HK$853/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,028/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,671
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,064
−HK$400/mo
Today · 4.125%
HK$15,464
baseline
▲ 0.50% · 4.625%
HK$16,279
+HK$815/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,928/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,955
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,483
−HK$536/mo
Today · 4.125%
HK$18,019
baseline
▲ 0.50% · 4.625%
HK$19,115
+HK$1,096/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,038/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$26,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,863
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,368
−HK$514/mo
Today · 4.125%
HK$19,882
baseline
▲ 0.50% · 4.625%
HK$20,930
+HK$1,048/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,764/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$26,287 · 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).