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$9,435
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,729
−HK$298/mo
Today · 4.125%
HK$10,027
baseline
▲ 0.50% · 4.625%
HK$10,637
+HK$610/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,054/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,496
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,778
−HK$286/mo
Today · 4.125%
HK$11,064
baseline
▲ 0.50% · 4.625%
HK$11,647
+HK$583/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,128/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$27,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,322
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,674
−HK$358/mo
Today · 4.125%
HK$12,032
baseline
▲ 0.50% · 4.625%
HK$12,764
+HK$732/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$24,064/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,596
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,934
−HK$342/mo
Today · 4.125%
HK$13,276
baseline
▲ 0.50% · 4.625%
HK$13,976
+HK$700/mo
Deposit HK$1.66M · loan HK$2.48M · min. income ≈ HK$26,552/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$27,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,209
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,620
−HK$417/mo
Today · 4.125%
HK$14,037
baseline
▲ 0.50% · 4.625%
HK$14,892
+HK$855/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,074/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,695
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,089
−HK$400/mo
Today · 4.125%
HK$15,489
baseline
▲ 0.50% · 4.625%
HK$16,305
+HK$816/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$30,978/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$27,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,983
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,511
−HK$537/mo
Today · 4.125%
HK$18,048
baseline
▲ 0.50% · 4.625%
HK$19,146
+HK$1,098/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$36,096/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,894
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,400
−HK$514/mo
Today · 4.125%
HK$19,914
baseline
▲ 0.50% · 4.625%
HK$20,964
+HK$1,050/mo
Deposit HK$414K · loan HK$3.72M · min. income ≈ HK$39,828/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$27,645 · 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).