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$9,441
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,735
−HK$298/mo
Today · 4.125%
HK$10,033
baseline
▲ 0.50% · 4.625%
HK$10,643
+HK$610/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,066/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,503
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,785
−HK$285/mo
Today · 4.125%
HK$11,070
baseline
▲ 0.50% · 4.625%
HK$11,654
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,140/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,329
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,681
−HK$358/mo
Today · 4.125%
HK$12,039
baseline
▲ 0.50% · 4.625%
HK$12,772
+HK$733/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$24,078/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$28,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,603
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,941
−HK$343/mo
Today · 4.125%
HK$13,284
baseline
▲ 0.50% · 4.625%
HK$13,985
+HK$701/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$26,568/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$28,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,217
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,628
−HK$418/mo
Today · 4.125%
HK$14,046
baseline
▲ 0.50% · 4.625%
HK$14,901
+HK$855/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,092/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,704
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,098
−HK$400/mo
Today · 4.125%
HK$15,498
baseline
▲ 0.50% · 4.625%
HK$16,315
+HK$817/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$30,996/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,994
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,522
−HK$537/mo
Today · 4.125%
HK$18,059
baseline
▲ 0.50% · 4.625%
HK$19,158
+HK$1,099/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$36,118/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$28,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,905
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,412
−HK$515/mo
Today · 4.125%
HK$19,927
baseline
▲ 0.50% · 4.625%
HK$20,977
+HK$1,050/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$39,854/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$28,153 · 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).