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$9,467
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,761
−HK$299/mo
Today · 4.125%
HK$10,060
baseline
▲ 0.50% · 4.625%
HK$10,672
+HK$612/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,120/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,532
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,814
−HK$286/mo
Today · 4.125%
HK$11,100
baseline
▲ 0.50% · 4.625%
HK$11,686
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,200/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,360
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,713
−HK$359/mo
Today · 4.125%
HK$12,072
baseline
▲ 0.50% · 4.625%
HK$12,807
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,144/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,638
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,977
−HK$344/mo
Today · 4.125%
HK$13,321
baseline
▲ 0.50% · 4.625%
HK$14,023
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,642/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,253
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,665
−HK$419/mo
Today · 4.125%
HK$14,084
baseline
▲ 0.50% · 4.625%
HK$14,941
+HK$857/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,168/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,744
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,140
−HK$401/mo
Today · 4.125%
HK$15,541
baseline
▲ 0.50% · 4.625%
HK$16,360
+HK$819/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,082/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,040
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,570
−HK$538/mo
Today · 4.125%
HK$18,108
baseline
▲ 0.50% · 4.625%
HK$19,210
+HK$1,102/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,216/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,957
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,465
−HK$516/mo
Today · 4.125%
HK$19,981
baseline
▲ 0.50% · 4.625%
HK$21,034
+HK$1,053/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,962/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,411 · 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).