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$9,444
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,738
−HK$298/mo
Today · 4.125%
HK$10,036
baseline
▲ 0.50% · 4.625%
HK$10,647
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,072/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,506
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,788
−HK$286/mo
Today · 4.125%
HK$11,074
baseline
▲ 0.50% · 4.625%
HK$11,658
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,148/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$28,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,333
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,685
−HK$358/mo
Today · 4.125%
HK$12,043
baseline
▲ 0.50% · 4.625%
HK$12,776
+HK$733/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$24,086/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,608
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,946
−HK$343/mo
Today · 4.125%
HK$13,289
baseline
▲ 0.50% · 4.625%
HK$13,989
+HK$700/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$26,578/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$28,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,222
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,633
−HK$418/mo
Today · 4.125%
HK$14,051
baseline
▲ 0.50% · 4.625%
HK$14,906
+HK$855/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,102/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,709
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,103
−HK$400/mo
Today · 4.125%
HK$15,503
baseline
▲ 0.50% · 4.625%
HK$16,321
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,006/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$28,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,999
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,528
−HK$537/mo
Today · 4.125%
HK$18,065
baseline
▲ 0.50% · 4.625%
HK$19,164
+HK$1,099/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$36,130/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$28,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,911
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,419
−HK$514/mo
Today · 4.125%
HK$19,933
baseline
▲ 0.50% · 4.625%
HK$20,984
+HK$1,051/mo
Deposit HK$414K · loan HK$3.73M · min. income ≈ HK$39,866/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$28,423 · 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).