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$9,453
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,747
−HK$299/mo
Today · 4.125%
HK$10,046
baseline
▲ 0.50% · 4.625%
HK$10,657
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,092/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,516
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,798
−HK$286/mo
Today · 4.125%
HK$11,084
baseline
▲ 0.50% · 4.625%
HK$11,669
+HK$585/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,168/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,343
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,696
−HK$359/mo
Today · 4.125%
HK$12,055
baseline
▲ 0.50% · 4.625%
HK$12,788
+HK$733/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,110/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,619
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,958
−HK$343/mo
Today · 4.125%
HK$13,301
baseline
▲ 0.50% · 4.625%
HK$14,002
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,602/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,234
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,646
−HK$418/mo
Today · 4.125%
HK$14,064
baseline
▲ 0.50% · 4.625%
HK$14,920
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,128/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,723
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,117
−HK$401/mo
Today · 4.125%
HK$15,518
baseline
▲ 0.50% · 4.625%
HK$16,336
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,036/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,015
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,544
−HK$538/mo
Today · 4.125%
HK$18,082
baseline
▲ 0.50% · 4.625%
HK$19,182
+HK$1,100/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$36,164/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,929
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,437
−HK$515/mo
Today · 4.125%
HK$19,952
baseline
▲ 0.50% · 4.625%
HK$21,003
+HK$1,051/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$39,904/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,199 · 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).