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$9,425
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,719
−HK$297/mo
Today · 4.125%
HK$10,016
baseline
▲ 0.50% · 4.625%
HK$10,626
+HK$610/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,032/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,486
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,767
−HK$285/mo
Today · 4.125%
HK$11,052
baseline
▲ 0.50% · 4.625%
HK$11,635
+HK$583/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,104/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,310
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,662
−HK$358/mo
Today · 4.125%
HK$12,020
baseline
▲ 0.50% · 4.625%
HK$12,751
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,040/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,583
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,920
−HK$343/mo
Today · 4.125%
HK$13,263
baseline
▲ 0.50% · 4.625%
HK$13,962
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,526/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,196
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,606
−HK$417/mo
Today · 4.125%
HK$14,023
baseline
▲ 0.50% · 4.625%
HK$14,876
+HK$853/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,046/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,680
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,074
−HK$399/mo
Today · 4.125%
HK$15,473
baseline
▲ 0.50% · 4.625%
HK$16,289
+HK$816/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,946/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,966
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,493
−HK$537/mo
Today · 4.125%
HK$18,030
baseline
▲ 0.50% · 4.625%
HK$19,127
+HK$1,097/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,060/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$26,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,874
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,380
−HK$514/mo
Today · 4.125%
HK$19,894
baseline
▲ 0.50% · 4.625%
HK$20,943
+HK$1,049/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,788/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$26,798 · 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).