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$9,427
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,721
−HK$298/mo
Today · 4.125%
HK$10,019
baseline
▲ 0.50% · 4.625%
HK$10,628
+HK$609/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,038/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,488
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,769
−HK$286/mo
Today · 4.125%
HK$11,055
baseline
▲ 0.50% · 4.625%
HK$11,637
+HK$582/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,110/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,313
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,665
−HK$357/mo
Today · 4.125%
HK$12,022
baseline
▲ 0.50% · 4.625%
HK$12,754
+HK$732/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,044/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,586
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,923
−HK$342/mo
Today · 4.125%
HK$13,265
baseline
▲ 0.50% · 4.625%
HK$13,965
+HK$700/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,530/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,198
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,609
−HK$417/mo
Today · 4.125%
HK$14,026
baseline
▲ 0.50% · 4.625%
HK$14,880
+HK$854/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,052/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,683
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,077
−HK$399/mo
Today · 4.125%
HK$15,476
baseline
▲ 0.50% · 4.625%
HK$16,292
+HK$816/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,952/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,969
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,497
−HK$537/mo
Today · 4.125%
HK$18,034
baseline
▲ 0.50% · 4.625%
HK$19,131
+HK$1,097/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,068/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$26,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,878
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,385
−HK$513/mo
Today · 4.125%
HK$19,898
baseline
▲ 0.50% · 4.625%
HK$20,947
+HK$1,049/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,796/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$26,976 · 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).